Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$36,878Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$47,815The complete starting cash picture.
Estimated remaining funds due at closing
$47,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,878.23
Your down payment$36,878.23
Closing costs + prepaids$10,936.86
Total buyer cash needed$47,815.10
Remaining funds due$47,815.10
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)$636.00
Prepaid interest, first (10 days)$547.86
Fees + prepaids$10,936.86
Your down payment is the seller’s equity. You take over the $278,122 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $47,815.10 is due at closing. Uses and sources reconcile at $325,936.86 each. Not a Closing Disclosure.