Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$94,495Cash toward the purchase price.
Closing costs + prepaids$10,338Not just lender fees.
Before credits & paid funds$104,833The complete starting cash picture.
Estimated remaining funds due at closing
$104,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,494.71
Your down payment$94,494.71
Closing costs + prepaids$10,338.47
Total buyer cash needed$104,833.17
Remaining funds due$104,833.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$275.75
Initial HOA (3 months)$750.00
Prepaid interest, first (1 days)$37.72
Fees + prepaids$10,338.47
Your down payment is the seller’s equity. You take over the $210,505 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $104,833.17 is due at closing. Uses and sources reconcile at $315,338.47 each. Not a Closing Disclosure.