Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$126,648Cash toward the purchase price.
Closing costs + prepaids$10,003Not just lender fees.
Before credits & paid funds$136,652The complete starting cash picture.
Estimated remaining funds due at closing
$136,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,648.46
Your down payment$126,648.46
Closing costs + prepaids$10,003.22
Total buyer cash needed$136,651.68
Remaining funds due$136,651.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,955.00
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)$202.25
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$365.97
Fees + prepaids$10,003.22
Your down payment is the seller’s equity. You take over the $168,852 balance, so the rest of the $295,500 price is paid at closing. A second mortgage can cover part of it. $136,651.68 is due at closing. Uses and sources reconcile at $305,503.22 each. Not a Closing Disclosure.