Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$133,814Cash toward the purchase price.
Closing costs + prepaids$10,425Not just lender fees.
Before credits & paid funds$144,239The complete starting cash picture.
Estimated remaining funds due at closing
$144,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,813.67
Your down payment$133,813.67
Closing costs + prepaids$10,424.95
Total buyer cash needed$144,238.62
Remaining funds due$144,238.62
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)$144.75
Initial HOA (3 months)$774.00
Prepaid interest, first (20 days)$331.20
Fees + prepaids$10,424.95
Your down payment is the seller’s equity. You take over the $161,186 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $144,238.62 is due at closing. Uses and sources reconcile at $305,424.95 each. Not a Closing Disclosure.