Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$128,178Cash toward the purchase price.
Closing costs + prepaids$10,232Not just lender fees.
Before credits & paid funds$138,410The complete starting cash picture.
Estimated remaining funds due at closing
$138,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,177.88
Your down payment$128,177.88
Closing costs + prepaids$10,231.80
Total buyer cash needed$138,409.68
Remaining funds due$138,409.68
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)$619.50
Prepaid interest, first (26 days)$437.30
Fees + prepaids$10,231.80
Your down payment is the seller’s equity. You take over the $166,822 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $138,409.68 is due at closing. Uses and sources reconcile at $305,231.80 each. Not a Closing Disclosure.