Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,431Cash toward the purchase price.
Closing costs + prepaids$11,058Not just lender fees.
Before credits & paid funds$16,490The complete starting cash picture.
Estimated remaining funds due at closing
$16,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,431.49
Your down payment$5,431.49
Closing costs + prepaids$11,058.31
Total buyer cash needed$16,489.80
Remaining funds due$16,489.80
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)$136.25
Initial HOA (3 months)$330.00
Prepaid interest, first (26 days)$1,417.06
Fees + prepaids$11,058.31
Your down payment is the seller’s equity. You take over the $289,569 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $16,489.80 is due at closing. Uses and sources reconcile at $306,058.31 each. Not a Closing Disclosure.