Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,096Cash toward the purchase price.
Closing costs + prepaids$10,545Not just lender fees.
Before credits & paid funds$106,642The complete starting cash picture.
Estimated remaining funds due at closing
$106,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,096.41
Your down payment$96,096.41
Closing costs + prepaids$10,545.18
Total buyer cash needed$106,641.59
Remaining funds due$106,641.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$714.00
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$402.18
Fees + prepaids$10,545.18
Your down payment is the seller’s equity. You take over the $198,804 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $106,641.59 is due at closing. Uses and sources reconcile at $305,445.18 each. Not a Closing Disclosure.