Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,691Cash toward the purchase price.
Closing costs + prepaids$11,159Not just lender fees.
Before credits & paid funds$152,851The complete starting cash picture.
Estimated remaining funds due at closing
$152,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,691.16
Your down payment$141,691.16
Closing costs + prepaids$11,159.45
Total buyer cash needed$152,850.60
Remaining funds due$152,850.60
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)$675.75
Initial HOA (3 months)$846.00
Prepaid interest, first (24 days)$462.70
Fees + prepaids$11,159.45
Your down payment is the seller’s equity. You take over the $153,309 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $152,850.60 is due at closing. Uses and sources reconcile at $306,159.45 each. Not a Closing Disclosure.