Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$121,052Cash toward the purchase price.
Closing costs + prepaids$10,607Not just lender fees.
Before credits & paid funds$131,659The complete starting cash picture.
Estimated remaining funds due at closing
$131,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,051.76
Your down payment$121,051.76
Closing costs + prepaids$10,607.38
Total buyer cash needed$131,659.14
Remaining funds due$131,659.14
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)$714.50
Initial HOA (3 months)$64.50
Prepaid interest, first (30 days)$653.38
Fees + prepaids$10,607.38
Your down payment is the seller’s equity. You take over the $173,948 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $131,659.14 is due at closing. Uses and sources reconcile at $305,607.38 each. Not a Closing Disclosure.