Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$89,966Cash toward the purchase price.
Closing costs + prepaids$10,718Not just lender fees.
Before credits & paid funds$100,683The complete starting cash picture.
Estimated remaining funds due at closing
$100,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,965.69
Your down payment$89,965.69
Closing costs + prepaids$10,717.68
Total buyer cash needed$100,683.37
Remaining funds due$100,683.37
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)$894.50
Initial HOA (3 months)$258.00
Prepaid interest, first (23 days)$390.18
Fees + prepaids$10,717.68
Your down payment is the seller’s equity. You take over the $205,034 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $100,683.37 is due at closing. Uses and sources reconcile at $305,717.68 each. Not a Closing Disclosure.