Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$83,503Cash toward the purchase price.
Closing costs + prepaids$10,172Not just lender fees.
Before credits & paid funds$93,675The complete starting cash picture.
Estimated remaining funds due at closing
$93,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,502.84
Your down payment$83,502.84
Closing costs + prepaids$10,171.71
Total buyer cash needed$93,674.55
Remaining funds due$93,674.55
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)$500.00
Initial HOA (3 months)$156.00
Prepaid interest, first (20 days)$340.71
Fees + prepaids$10,171.71
Your down payment is the seller’s equity. You take over the $211,497 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $93,674.55 is due at closing. Uses and sources reconcile at $305,171.71 each. Not a Closing Disclosure.