Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$26,949Cash toward the purchase price.
Closing costs + prepaids$13,229Not just lender fees.
Before credits & paid funds$40,179The complete starting cash picture.
Estimated remaining funds due at closing
$40,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,949.38
Your down payment$26,949.38
Closing costs + prepaids$13,229.17
Total buyer cash needed$40,178.55
Remaining funds due$40,178.55
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)$783.75
Initial HOA (3 months)$2,112.00
Prepaid interest, first (22 days)$1,158.42
Fees + prepaids$13,229.17
Your down payment is the seller’s equity. You take over the $268,051 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $40,178.55 is due at closing. Uses and sources reconcile at $308,229.17 each. Not a Closing Disclosure.