Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$117,715Cash toward the purchase price.
Closing costs + prepaids$10,368Not just lender fees.
Before credits & paid funds$128,083The complete starting cash picture.
Estimated remaining funds due at closing
$128,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,714.61
Your down payment$117,714.61
Closing costs + prepaids$10,367.90
Total buyer cash needed$128,082.51
Remaining funds due$128,082.51
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)$293.75
Prepaid interest, first (26 days)$899.15
Fees + prepaids$10,367.90
Your down payment is the seller’s equity. You take over the $177,285 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $128,082.51 is due at closing. Uses and sources reconcile at $305,367.90 each. Not a Closing Disclosure.