Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$83,503Cash toward the purchase price.
Closing costs + prepaids$10,155Not just lender fees.
Before credits & paid funds$93,658The complete starting cash picture.
Estimated remaining funds due at closing
$93,658No 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$10,154.68
Total buyer cash needed$93,657.51
Remaining funds due$93,657.51
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 (19 days)$323.68
Fees + prepaids$10,154.68
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. $93,657.51 is due at closing. Uses and sources reconcile at $305,154.68 each. Not a Closing Disclosure.