Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,554Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$135,932The complete starting cash picture.
Estimated remaining funds due at closing
$135,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,553.69
Your down payment$125,553.69
Closing costs + prepaids$10,377.85
Total buyer cash needed$135,931.54
Remaining funds due$135,931.54
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)$737.50
Prepaid interest, first (28 days)$465.35
Fees + prepaids$10,377.85
Your down payment is the seller’s equity. You take over the $169,446 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $135,931.54 is due at closing. Uses and sources reconcile at $305,377.85 each. Not a Closing Disclosure.