Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$96,034Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$107,573The complete starting cash picture.
Estimated remaining funds due at closing
$107,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,033.54
Your down payment$96,033.54
Closing costs + prepaids$11,539.58
Total buyer cash needed$107,573.12
Remaining funds due$107,573.12
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)$1,134.75
Initial HOA (3 months)$870.00
Prepaid interest, first (23 days)$359.83
Fees + prepaids$11,539.58
Your down payment is the seller’s equity. You take over the $198,966 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $107,573.12 is due at closing. Uses and sources reconcile at $306,539.58 each. Not a Closing Disclosure.