Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$194,633Cash toward the purchase price.
Closing costs + prepaids$11,116Not just lender fees.
Before credits & paid funds$205,748The complete starting cash picture.
Estimated remaining funds due at closing
$205,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,632.58
Your down payment$194,632.58
Closing costs + prepaids$11,115.74
Total buyer cash needed$205,748.32
Remaining funds due$205,748.32
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)$443.75
Initial HOA (3 months)$1,485.00
Prepaid interest, first (2 days)$11.99
Fees + prepaids$11,115.74
Your down payment is the seller’s equity. You take over the $100,367 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $205,748.32 is due at closing. Uses and sources reconcile at $306,115.74 each. Not a Closing Disclosure.