Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,592Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$124,571The complete starting cash picture.
Estimated remaining funds due at closing
$124,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,592.27
Your down payment$114,592.27
Closing costs + prepaids$9,978.96
Total buyer cash needed$124,571.22
Remaining funds due$124,571.22
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)$188.25
Initial HOA (3 months)$33.75
Prepaid interest, first (27 days)$681.96
Fees + prepaids$9,978.96
Your down payment is the seller’s equity. You take over the $170,408 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $124,571.22 is due at closing. Uses and sources reconcile at $294,978.96 each. Not a Closing Disclosure.