Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$128,508Cash toward the purchase price.
Closing costs + prepaids$10,997Not just lender fees.
Before credits & paid funds$139,504The complete starting cash picture.
Estimated remaining funds due at closing
$139,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,507.71
Your down payment$128,507.71
Closing costs + prepaids$10,996.74
Total buyer cash needed$139,504.46
Remaining funds due$139,504.46
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)$909.00
Prepaid interest, first (29 days)$912.74
Fees + prepaids$10,996.74
Your down payment is the seller’s equity. You take over the $166,492 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $139,504.46 is due at closing. Uses and sources reconcile at $305,996.74 each. Not a Closing Disclosure.