Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$167,160Cash toward the purchase price.
Closing costs + prepaids$10,167Not just lender fees.
Before credits & paid funds$177,327The complete starting cash picture.
Estimated remaining funds due at closing
$177,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,160.30
Your down payment$167,160.30
Closing costs + prepaids$10,166.61
Total buyer cash needed$177,326.91
Remaining funds due$177,326.91
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)$509.50
Initial HOA (3 months)$107.49
Prepaid interest, first (28 days)$374.62
Fees + prepaids$10,166.61
Your down payment is the seller’s equity. You take over the $127,840 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $177,326.91 is due at closing. Uses and sources reconcile at $305,166.61 each. Not a Closing Disclosure.