Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$227,940Cash toward the purchase price.
Closing costs + prepaids$10,297Not just lender fees.
Before credits & paid funds$238,237The complete starting cash picture.
Estimated remaining funds due at closing
$238,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,939.56
Your down payment$227,939.56
Closing costs + prepaids$10,296.94
Total buyer cash needed$238,236.50
Remaining funds due$238,236.50
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)$163.00
Initial HOA (3 months)$741.00
Prepaid interest, first (2 days)$17.94
Fees + prepaids$10,296.94
Your down payment is the seller’s equity. You take over the $87,060 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $238,236.50 is due at closing. Uses and sources reconcile at $325,296.94 each. Not a Closing Disclosure.