Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$96,118Cash toward the purchase price.
Closing costs + prepaids$9,756Not just lender fees.
Before credits & paid funds$105,874The complete starting cash picture.
Estimated remaining funds due at closing
$105,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,117.77
Your down payment$96,117.77
Closing costs + prepaids$9,756.22
Total buyer cash needed$105,873.98
Remaining funds due$105,873.98
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)$227.22
Fees + prepaids$9,756.22
Your down payment is the seller’s equity. You take over the $198,882 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $105,873.98 is due at closing. Uses and sources reconcile at $304,756.22 each. Not a Closing Disclosure.