Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$44,760Cash toward the purchase price.
Closing costs + prepaids$10,218Not just lender fees.
Before credits & paid funds$54,978The complete starting cash picture.
Estimated remaining funds due at closing
$54,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,760.42
Your down payment$44,760.42
Closing costs + prepaids$10,217.66
Total buyer cash needed$54,978.08
Remaining funds due$54,978.08
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)$378.00
Prepaid interest, first (12 days)$464.66
Fees + prepaids$10,217.66
Your down payment is the seller’s equity. You take over the $270,240 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $54,978.08 is due at closing. Uses and sources reconcile at $325,217.66 each. Not a Closing Disclosure.