Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$237,630Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$247,575The complete starting cash picture.
Estimated remaining funds due at closing
$247,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,630.14
Your down payment$237,630.14
Closing costs + prepaids$9,944.93
Total buyer cash needed$247,575.08
Remaining funds due$247,575.08
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)$752.25
Prepaid interest, first (3 days)$17.68
Fees + prepaids$9,944.93
Your down payment is the seller’s equity. You take over the $57,370 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $247,575.08 is due at closing. Uses and sources reconcile at $304,944.93 each. Not a Closing Disclosure.