Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$28,160Cash toward the purchase price.
Closing costs + prepaids$10,572Not just lender fees.
Before credits & paid funds$38,732The complete starting cash picture.
Estimated remaining funds due at closing
$38,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,159.97
Your down payment$28,159.97
Closing costs + prepaids$10,572.22
Total buyer cash needed$38,732.18
Remaining funds due$38,732.18
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)$393.75
Prepaid interest, first (16 days)$803.47
Fees + prepaids$10,572.22
Your down payment is the seller’s equity. You take over the $286,840 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $38,732.18 is due at closing. Uses and sources reconcile at $325,572.22 each. Not a Closing Disclosure.