Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$134,998Cash toward the purchase price.
Closing costs + prepaids$10,965Not just lender fees.
Before credits & paid funds$145,963The complete starting cash picture.
Estimated remaining funds due at closing
$145,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,998.05
Your down payment$134,998.05
Closing costs + prepaids$10,964.69
Total buyer cash needed$145,962.74
Remaining funds due$145,962.74
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)$676.25
Initial HOA (3 months)$807.00
Prepaid interest, first (23 days)$406.44
Fees + prepaids$10,964.69
Your down payment is the seller’s equity. You take over the $150,002 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $145,962.74 is due at closing. Uses and sources reconcile at $295,964.69 each. Not a Closing Disclosure.