Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$42,199Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$52,983The complete starting cash picture.
Estimated remaining funds due at closing
$52,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,199.06
Your down payment$42,199.06
Closing costs + prepaids$10,783.87
Total buyer cash needed$52,982.93
Remaining funds due$52,982.93
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)$231.00
Prepaid interest, first (29 days)$1,377.87
Fees + prepaids$10,783.87
Your down payment is the seller’s equity. You take over the $252,801 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $52,982.93 is due at closing. Uses and sources reconcile at $305,783.87 each. Not a Closing Disclosure.