Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,948Cash toward the purchase price.
Closing costs + prepaids$10,606Not just lender fees.
Before credits & paid funds$113,555The complete starting cash picture.
Estimated remaining funds due at closing
$113,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,948.27
Your down payment$102,948.27
Closing costs + prepaids$10,606.44
Total buyer cash needed$113,554.71
Remaining funds due$113,554.71
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)$916.00
Prepaid interest, first (31 days)$515.44
Fees + prepaids$10,606.44
Your down payment is the seller’s equity. You take over the $192,052 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $113,554.71 is due at closing. Uses and sources reconcile at $305,606.44 each. Not a Closing Disclosure.