Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$42,853Cash toward the purchase price.
Closing costs + prepaids$9,702Not just lender fees.
Before credits & paid funds$52,555The complete starting cash picture.
Estimated remaining funds due at closing
$52,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,853.28
Your down payment$42,853.28
Closing costs + prepaids$9,701.84
Total buyer cash needed$52,555.13
Remaining funds due$52,555.13
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)$354.00
Prepaid interest, first (6 days)$172.84
Fees + prepaids$9,701.84
Your down payment is the seller’s equity. You take over the $252,147 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $52,555.13 is due at closing. Uses and sources reconcile at $304,701.84 each. Not a Closing Disclosure.