Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,307Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$127,713The complete starting cash picture.
Estimated remaining funds due at closing
$127,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,306.80
Your down payment$117,306.80
Closing costs + prepaids$10,406.21
Total buyer cash needed$127,713.01
Remaining funds due$127,713.01
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)$292.00
Initial HOA (3 months)$570.00
Prepaid interest, first (24 days)$369.21
Fees + prepaids$10,406.21
Your down payment is the seller’s equity. You take over the $177,693 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $127,713.01 is due at closing. Uses and sources reconcile at $305,406.21 each. Not a Closing Disclosure.