Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,620Cash toward the purchase price.
Closing costs + prepaids$10,296Not just lender fees.
Before credits & paid funds$48,916The complete starting cash picture.
Estimated remaining funds due at closing
$48,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,620.09
Your down payment$38,620.09
Closing costs + prepaids$10,296.03
Total buyer cash needed$48,916.11
Remaining funds due$48,916.11
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)$146.50
Initial HOA (3 months)$735.00
Prepaid interest, first (1 days)$39.53
Fees + prepaids$10,296.03
Your down payment is the seller’s equity. You take over the $276,380 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $48,916.11 is due at closing. Uses and sources reconcile at $325,296.03 each. Not a Closing Disclosure.