Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$35,862Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$46,044The complete starting cash picture.
Estimated remaining funds due at closing
$46,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,861.99
Your down payment$35,861.99
Closing costs + prepaids$10,181.81
Total buyer cash needed$46,043.80
Remaining funds due$46,043.80
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)$170.01
Prepaid interest, first (9 days)$258.80
Fees + prepaids$10,181.81
Your down payment is the seller’s equity. You take over the $279,138 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $46,043.80 is due at closing. Uses and sources reconcile at $325,181.81 each. Not a Closing Disclosure.