Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$57,141Cash toward the purchase price.
Closing costs + prepaids$10,526Not just lender fees.
Before credits & paid funds$67,667The complete starting cash picture.
Estimated remaining funds due at closing
$67,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,140.85
Your down payment$57,140.85
Closing costs + prepaids$10,526.07
Total buyer cash needed$67,666.92
Remaining funds due$67,666.92
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)$445.25
Prepaid interest, first (20 days)$905.82
Fees + prepaids$10,526.07
Your down payment is the seller’s equity. You take over the $237,859 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $67,666.92 is due at closing. Uses and sources reconcile at $305,526.07 each. Not a Closing Disclosure.