Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,574Cash toward the purchase price.
Closing costs + prepaids$10,718Not just lender fees.
Before credits & paid funds$127,292The complete starting cash picture.
Estimated remaining funds due at closing
$127,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,573.79
Your down payment$116,573.79
Closing costs + prepaids$10,717.99
Total buyer cash needed$127,291.78
Remaining funds due$127,291.78
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)$1,170.25
Prepaid interest, first (25 days)$372.74
Fees + prepaids$10,717.99
Your down payment is the seller’s equity. You take over the $178,426 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $127,291.78 is due at closing. Uses and sources reconcile at $305,717.99 each. Not a Closing Disclosure.