Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,559Cash toward the purchase price.
Closing costs + prepaids$11,102Not just lender fees.
Before credits & paid funds$103,662The complete starting cash picture.
Estimated remaining funds due at closing
$103,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,559.33
Your down payment$92,559.33
Closing costs + prepaids$11,102.24
Total buyer cash needed$103,661.57
Remaining funds due$103,661.57
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)$1,473.00
Prepaid interest, first (30 days)$454.24
Fees + prepaids$11,102.24
Your down payment is the seller’s equity. You take over the $202,441 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $103,661.57 is due at closing. Uses and sources reconcile at $306,102.24 each. Not a Closing Disclosure.