Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$69,178Cash toward the purchase price.
Closing costs + prepaids$10,770Not just lender fees.
Before credits & paid funds$79,948The complete starting cash picture.
Estimated remaining funds due at closing
$79,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,177.88
Your down payment$69,177.88
Closing costs + prepaids$10,769.76
Total buyer cash needed$79,947.64
Remaining funds due$79,947.64
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)$810.00
Prepaid interest, first (10 days)$206.76
Fees + prepaids$10,769.76
Your down payment is the seller’s equity. You take over the $245,822 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $79,947.64 is due at closing. Uses and sources reconcile at $325,769.76 each. Not a Closing Disclosure.