Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$174,701Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$184,852The complete starting cash picture.
Estimated remaining funds due at closing
$184,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,701.34
Your down payment$174,701.34
Closing costs + prepaids$10,150.34
Total buyer cash needed$184,851.69
Remaining funds due$184,851.69
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)$610.25
Initial HOA (3 months)$16.26
Prepaid interest, first (28 days)$348.83
Fees + prepaids$10,150.34
Your down payment is the seller’s equity. You take over the $120,299 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $184,851.69 is due at closing. Uses and sources reconcile at $305,150.34 each. Not a Closing Disclosure.