Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$81,405Cash toward the purchase price.
Closing costs + prepaids$10,765Not just lender fees.
Before credits & paid funds$92,171The complete starting cash picture.
Estimated remaining funds due at closing
$92,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,405.44
Your down payment$81,405.44
Closing costs + prepaids$10,765.42
Total buyer cash needed$92,170.86
Remaining funds due$92,170.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$403.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (2 days)$32.42
Fees + prepaids$10,765.42
Your down payment is the seller’s equity. You take over the $213,595 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $92,170.86 is due at closing. Uses and sources reconcile at $305,765.42 each. Not a Closing Disclosure.