Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$103,538Cash toward the purchase price.
Closing costs + prepaids$10,320Not just lender fees.
Before credits & paid funds$113,859The complete starting cash picture.
Estimated remaining funds due at closing
$113,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,538.42
Your down payment$103,538.42
Closing costs + prepaids$10,320.34
Total buyer cash needed$113,858.76
Remaining funds due$113,858.76
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)$803.75
Prepaid interest, first (22 days)$341.59
Fees + prepaids$10,320.34
Your down payment is the seller’s equity. You take over the $191,462 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $113,858.76 is due at closing. Uses and sources reconcile at $305,320.34 each. Not a Closing Disclosure.