Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$202,104Cash toward the purchase price.
Closing costs + prepaids$9,676Not just lender fees.
Before credits & paid funds$211,780The complete starting cash picture.
Estimated remaining funds due at closing
$211,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,104.05
Your down payment$202,104.05
Closing costs + prepaids$9,676.33
Total buyer cash needed$211,780.39
Remaining funds due$211,780.39
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)$28.50
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$262.83
Fees + prepaids$9,676.33
Your down payment is the seller’s equity. You take over the $92,896 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $211,780.39 is due at closing. Uses and sources reconcile at $304,676.33 each. Not a Closing Disclosure.