Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,280Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$53,083The complete starting cash picture.
Estimated remaining funds due at closing
$53,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,280.39
Your down payment$42,280.39
Closing costs + prepaids$10,802.25
Total buyer cash needed$53,082.63
Remaining funds due$53,082.63
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)$116.25
Prepaid interest, first (31 days)$1,311.00
Fees + prepaids$10,802.25
Your down payment is the seller’s equity. You take over the $272,720 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $53,082.63 is due at closing. Uses and sources reconcile at $325,802.25 each. Not a Closing Disclosure.