Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$174,701Cash toward the purchase price.
Closing costs + prepaids$10,026Not just lender fees.
Before credits & paid funds$184,727The complete starting cash picture.
Estimated remaining funds due at closing
$184,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,701.34
Your down payment$174,701.34
Closing costs + prepaids$10,025.76
Total buyer cash needed$184,727.10
Remaining funds due$184,727.10
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)$610.25
Initial HOA (3 months)$16.26
Prepaid interest, first (18 days)$224.25
Fees + prepaids$10,025.76
Your down payment is the seller’s equity. You take over the $120,299 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $184,727.10 is due at closing. Uses and sources reconcile at $305,025.76 each. Not a Closing Disclosure.