Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,170Cash toward the purchase price.
Closing costs + prepaids$11,063Not just lender fees.
Before credits & paid funds$57,233The complete starting cash picture.
Estimated remaining funds due at closing
$57,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,170.36
Your down payment$46,170.36
Closing costs + prepaids$11,063.12
Total buyer cash needed$57,233.49
Remaining funds due$57,233.49
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)$174.00
Initial HOA (3 months)$435.00
Prepaid interest, first (29 days)$1,279.12
Fees + prepaids$11,063.12
Your down payment is the seller’s equity. You take over the $248,830 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $57,233.49 is due at closing. Uses and sources reconcile at $306,063.12 each. Not a Closing Disclosure.