Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$94,712Cash toward the purchase price.
Closing costs + prepaids$11,243Not just lender fees.
Before credits & paid funds$105,955The complete starting cash picture.
Estimated remaining funds due at closing
$105,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,712.06
Your down payment$94,712.06
Closing costs + prepaids$11,242.72
Total buyer cash needed$105,954.78
Remaining funds due$105,954.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$275.75
Initial HOA (3 months)$750.00
Prepaid interest, first (25 days)$941.97
Fees + prepaids$11,242.72
Your down payment is the seller’s equity. You take over the $210,288 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $105,954.78 is due at closing. Uses and sources reconcile at $316,242.72 each. Not a Closing Disclosure.