Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$272,288Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$284,238The complete starting cash picture.
Estimated remaining funds due at closing
$284,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,287.73
Your down payment$272,287.73
Closing costs + prepaids$11,950.53
Total buyer cash needed$284,238.26
Remaining funds due$284,238.26
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)$2,048.00
Initial HOA (3 months)$632.01
Prepaid interest, first (25 days)$95.52
Fees + prepaids$11,950.53
Your down payment is the seller’s equity. You take over the $22,712 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $284,238.26 is due at closing. Uses and sources reconcile at $306,950.53 each. Not a Closing Disclosure.