Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,711Cash toward the purchase price.
Closing costs + prepaids$10,477Not just lender fees.
Before credits & paid funds$69,188The complete starting cash picture.
Estimated remaining funds due at closing
$69,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,711.03
Your down payment$58,711.03
Closing costs + prepaids$10,477.28
Total buyer cash needed$69,188.31
Remaining funds due$69,188.31
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)$253.75
Initial HOA (3 months)$1,008.00
Prepaid interest, first (1 days)$40.53
Fees + prepaids$10,477.28
Your down payment is the seller’s equity. You take over the $236,289 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $69,188.31 is due at closing. Uses and sources reconcile at $305,477.28 each. Not a Closing Disclosure.