Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$237,630Cash toward the purchase price.
Closing costs + prepaids$10,100Not just lender fees.
Before credits & paid funds$247,730The complete starting cash picture.
Estimated remaining funds due at closing
$247,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,630.14
Your down payment$237,630.14
Closing costs + prepaids$10,099.75
Total buyer cash needed$247,729.89
Remaining funds due$247,729.89
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)$771.50
Prepaid interest, first (26 days)$153.25
Fees + prepaids$10,099.75
Your down payment is the seller’s equity. You take over the $57,370 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $247,729.89 is due at closing. Uses and sources reconcile at $305,099.75 each. Not a Closing Disclosure.