Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,002Cash toward the purchase price.
Closing costs + prepaids$9,628Not just lender fees.
Before credits & paid funds$125,631The complete starting cash picture.
Estimated remaining funds due at closing
$125,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,002.41
Your down payment$116,002.41
Closing costs + prepaids$9,628.27
Total buyer cash needed$125,630.68
Remaining funds due$125,630.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$154.25
Prepaid interest, first (31 days)$399.02
Fees + prepaids$9,628.27
Your down payment is the seller’s equity. You take over the $168,998 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $125,630.68 is due at closing. Uses and sources reconcile at $294,628.27 each. Not a Closing Disclosure.