Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,253Cash toward the purchase price.
Closing costs + prepaids$10,473Not just lender fees.
Before credits & paid funds$190,726The complete starting cash picture.
Estimated remaining funds due at closing
$190,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,253.37
Your down payment$180,253.37
Closing costs + prepaids$10,472.79
Total buyer cash needed$190,726.16
Remaining funds due$190,726.16
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)$756.25
Prepaid interest, first (27 days)$541.54
Fees + prepaids$10,472.79
Your down payment is the seller’s equity. You take over the $114,747 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $190,726.16 is due at closing. Uses and sources reconcile at $305,472.79 each. Not a Closing Disclosure.