Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$232,831Cash toward the purchase price.
Closing costs + prepaids$9,812Not just lender fees.
Before credits & paid funds$242,643The complete starting cash picture.
Estimated remaining funds due at closing
$242,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,830.68
Your down payment$232,830.68
Closing costs + prepaids$9,812.11
Total buyer cash needed$242,642.79
Remaining funds due$242,642.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Prepaid interest, first (26 days)$204.86
Fees + prepaids$9,812.11
Your down payment is the seller’s equity. You take over the $82,169 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $242,642.79 is due at closing. Uses and sources reconcile at $324,812.11 each. Not a Closing Disclosure.