Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,316Cash toward the purchase price.
Closing costs + prepaids$9,826Not just lender fees.
Before credits & paid funds$45,141The complete starting cash picture.
Estimated remaining funds due at closing
$45,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,315.86
Your down payment$35,315.86
Closing costs + prepaids$9,825.57
Total buyer cash needed$45,141.44
Remaining funds due$45,141.44
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)$251.75
Initial HOA (3 months)$170.01
Prepaid interest, first (1 days)$28.81
Fees + prepaids$9,825.57
Your down payment is the seller’s equity. You take over the $279,684 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $45,141.44 is due at closing. Uses and sources reconcile at $324,825.57 each. Not a Closing Disclosure.