Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$284,660Cash toward the purchase price.
Closing costs + prepaids$9,727Not just lender fees.
Before credits & paid funds$294,387The complete starting cash picture.
Estimated remaining funds due at closing
$294,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,660.26
Your down payment$284,660.26
Closing costs + prepaids$9,727.10
Total buyer cash needed$294,387.36
Remaining funds due$294,387.36
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)$175.25
Prepaid interest, first (27 days)$176.85
Fees + prepaids$9,727.10
Your down payment is the seller’s equity. You take over the $30,340 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $294,387.36 is due at closing. Uses and sources reconcile at $324,727.10 each. Not a Closing Disclosure.