Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$34,818Cash toward the purchase price.
Closing costs + prepaids$10,347Not just lender fees.
Before credits & paid funds$45,165The complete starting cash picture.
Estimated remaining funds due at closing
$45,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,818.05
Your down payment$34,818.05
Closing costs + prepaids$10,347.18
Total buyer cash needed$45,165.23
Remaining funds due$45,165.23
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)$368.75
Prepaid interest, first (17 days)$803.43
Fees + prepaids$10,347.18
Your down payment is the seller’s equity. You take over the $260,182 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $45,165.23 is due at closing. Uses and sources reconcile at $305,347.18 each. Not a Closing Disclosure.