Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$157,451Cash toward the purchase price.
Closing costs + prepaids$9,680Not just lender fees.
Before credits & paid funds$167,131The complete starting cash picture.
Estimated remaining funds due at closing
$167,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,451.17
Your down payment$157,451.17
Closing costs + prepaids$9,679.88
Total buyer cash needed$167,131.06
Remaining funds due$167,131.06
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)$178.00
Initial HOA (3 months)$99.00
Prepaid interest, first (2 days)$27.88
Fees + prepaids$9,679.88
Your down payment is the seller’s equity. You take over the $157,549 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $167,131.06 is due at closing. Uses and sources reconcile at $324,679.88 each. Not a Closing Disclosure.