Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$85,827Cash toward the purchase price.
Closing costs + prepaids$10,483Not just lender fees.
Before credits & paid funds$96,310The complete starting cash picture.
Estimated remaining funds due at closing
$96,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,827.08
Your down payment$85,827.08
Closing costs + prepaids$10,483.07
Total buyer cash needed$96,310.14
Remaining funds due$96,310.14
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)$492.25
Initial HOA (3 months)$273.00
Prepaid interest, first (20 days)$342.82
Fees + prepaids$10,483.07
Your down payment is the seller’s equity. You take over the $229,173 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $96,310.14 is due at closing. Uses and sources reconcile at $325,483.07 each. Not a Closing Disclosure.