Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$29,229Cash toward the purchase price.
Closing costs + prepaids$10,850Not just lender fees.
Before credits & paid funds$40,079The complete starting cash picture.
Estimated remaining funds due at closing
$40,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,229.28
Your down payment$29,229.28
Closing costs + prepaids$10,850.18
Total buyer cash needed$40,079.46
Remaining funds due$40,079.46
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)$252.00
Prepaid interest, first (17 days)$845.18
Fees + prepaids$10,850.18
Your down payment is the seller’s equity. You take over the $285,771 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $40,079.46 is due at closing. Uses and sources reconcile at $325,850.18 each. Not a Closing Disclosure.