Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,618Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$92,729The complete starting cash picture.
Estimated remaining funds due at closing
$92,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,617.83
Your down payment$82,617.83
Closing costs + prepaids$10,111.65
Total buyer cash needed$92,729.48
Remaining funds due$92,729.48
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)$536.75
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$17.89
Fees + prepaids$10,111.65
Your down payment is the seller’s equity. You take over the $232,382 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $92,729.48 is due at closing. Uses and sources reconcile at $325,111.65 each. Not a Closing Disclosure.