Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$232,808Cash toward the purchase price.
Closing costs + prepaids$10,599Not just lender fees.
Before credits & paid funds$243,407The complete starting cash picture.
Estimated remaining funds due at closing
$243,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,807.54
Your down payment$232,807.54
Closing costs + prepaids$10,599.13
Total buyer cash needed$243,406.67
Remaining funds due$243,406.67
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)$378.00
Initial HOA (3 months)$801.00
Prepaid interest, first (6 days)$45.13
Fees + prepaids$10,599.13
Your down payment is the seller’s equity. You take over the $82,192 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $243,406.67 is due at closing. Uses and sources reconcile at $325,599.13 each. Not a Closing Disclosure.