Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$108,723Cash toward the purchase price.
Closing costs + prepaids$9,911Not just lender fees.
Before credits & paid funds$118,634The complete starting cash picture.
Estimated remaining funds due at closing
$118,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,723.15
Your down payment$108,723.15
Closing costs + prepaids$9,910.59
Total buyer cash needed$118,633.74
Remaining funds due$118,633.74
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)$178.25
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$332.34
Fees + prepaids$9,910.59
Your down payment is the seller’s equity. You take over the $186,277 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $118,633.74 is due at closing. Uses and sources reconcile at $304,910.59 each. Not a Closing Disclosure.