Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$55,659Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$66,981The complete starting cash picture.
Estimated remaining funds due at closing
$66,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,659.00
Your down payment$55,659.00
Closing costs + prepaids$11,322.05
Total buyer cash needed$66,981.05
Remaining funds due$66,981.05
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)$284.50
Initial HOA (3 months)$200.01
Prepaid interest, first (31 days)$1,462.54
Fees + prepaids$11,322.05
Your down payment is the seller’s equity. You take over the $259,341 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $66,981.05 is due at closing. Uses and sources reconcile at $326,322.05 each. Not a Closing Disclosure.