Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,726Cash toward the purchase price.
Closing costs + prepaids$9,632Not just lender fees.
Before credits & paid funds$105,358The complete starting cash picture.
Estimated remaining funds due at closing
$105,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,726.43
Your down payment$95,726.43
Closing costs + prepaids$9,631.66
Total buyer cash needed$105,358.09
Remaining funds due$105,358.09
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)$269.50
Initial HOA (3 months)$171.00
Prepaid interest, first (1 days)$16.16
Fees + prepaids$9,631.66
Your down payment is the seller’s equity. You take over the $199,274 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $105,358.09 is due at closing. Uses and sources reconcile at $304,631.66 each. Not a Closing Disclosure.