Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,816Cash toward the purchase price.
Closing costs + prepaids$10,342Not just lender fees.
Before credits & paid funds$149,158The complete starting cash picture.
Estimated remaining funds due at closing
$149,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,816.00
Your down payment$138,816.00
Closing costs + prepaids$10,342.29
Total buyer cash needed$149,158.29
Remaining funds due$149,158.29
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)$117.25
Initial HOA (3 months)$735.00
Prepaid interest, first (31 days)$315.04
Fees + prepaids$10,342.29
Your down payment is the seller’s equity. You take over the $156,184 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $149,158.29 is due at closing. Uses and sources reconcile at $305,342.29 each. Not a Closing Disclosure.