Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$197,563Cash toward the purchase price.
Closing costs + prepaids$11,125Not just lender fees.
Before credits & paid funds$208,688The complete starting cash picture.
Estimated remaining funds due at closing
$208,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,563.16
Your down payment$197,563.16
Closing costs + prepaids$11,124.86
Total buyer cash needed$208,688.02
Remaining funds due$208,688.02
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)$349.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (31 days)$245.36
Fees + prepaids$11,124.86
Your down payment is the seller’s equity. You take over the $117,437 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $208,688.02 is due at closing. Uses and sources reconcile at $326,124.86 each. Not a Closing Disclosure.