Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,672Cash toward the purchase price.
Closing costs + prepaids$11,652Not just lender fees.
Before credits & paid funds$123,324The complete starting cash picture.
Estimated remaining funds due at closing
$123,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,672.19
Your down payment$111,672.19
Closing costs + prepaids$11,652.29
Total buyer cash needed$123,324.49
Remaining funds due$123,324.49
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)$1,660.00
Initial HOA (3 months)$356.01
Prepaid interest, first (28 days)$461.28
Fees + prepaids$11,652.29
Your down payment is the seller’s equity. You take over the $183,328 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $123,324.49 is due at closing. Uses and sources reconcile at $306,652.29 each. Not a Closing Disclosure.