Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$225,918Cash toward the purchase price.
Closing costs + prepaids$9,739Not just lender fees.
Before credits & paid funds$235,657The complete starting cash picture.
Estimated remaining funds due at closing
$235,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,917.95
Your down payment$225,917.95
Closing costs + prepaids$9,739.23
Total buyer cash needed$235,657.18
Remaining funds due$235,657.18
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)$314.25
Prepaid interest, first (26 days)$249.98
Fees + prepaids$9,739.23
Your down payment is the seller’s equity. You take over the $69,082 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $235,657.18 is due at closing. Uses and sources reconcile at $304,739.23 each. Not a Closing Disclosure.