Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$164,462Cash toward the purchase price.
Closing costs + prepaids$9,500Not just lender fees.
Before credits & paid funds$173,961The complete starting cash picture.
Estimated remaining funds due at closing
$173,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,461.56
Your down payment$164,461.56
Closing costs + prepaids$9,499.69
Total buyer cash needed$173,961.25
Remaining funds due$173,961.25
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)$107.00
Prepaid interest, first (26 days)$317.69
Fees + prepaids$9,499.69
Your down payment is the seller’s equity. You take over the $120,538 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $173,961.25 is due at closing. Uses and sources reconcile at $294,499.69 each. Not a Closing Disclosure.