Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$184,765Cash toward the purchase price.
Closing costs + prepaids$10,072Not just lender fees.
Before credits & paid funds$194,837The complete starting cash picture.
Estimated remaining funds due at closing
$194,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,765.03
Your down payment$184,765.03
Closing costs + prepaids$10,072.05
Total buyer cash needed$194,837.09
Remaining funds due$194,837.09
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)$664.50
Prepaid interest, first (22 days)$232.55
Fees + prepaids$10,072.05
Your down payment is the seller’s equity. You take over the $110,235 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $194,837.09 is due at closing. Uses and sources reconcile at $305,072.05 each. Not a Closing Disclosure.