Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$145,401Cash toward the purchase price.
Closing costs + prepaids$9,974Not just lender fees.
Before credits & paid funds$155,375The complete starting cash picture.
Estimated remaining funds due at closing
$155,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,401.19
Your down payment$145,401.19
Closing costs + prepaids$9,973.81
Total buyer cash needed$155,375.00
Remaining funds due$155,375.00
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 (4 days)$46.56
Fees + prepaids$9,973.81
Your down payment is the seller’s equity. You take over the $149,599 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $155,375.00 is due at closing. Uses and sources reconcile at $304,973.81 each. Not a Closing Disclosure.