Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,323Cash toward the purchase price.
Closing costs + prepaids$10,724Not just lender fees.
Before credits & paid funds$157,047The complete starting cash picture.
Estimated remaining funds due at closing
$157,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,322.83
Your down payment$146,322.83
Closing costs + prepaids$10,723.91
Total buyer cash needed$157,046.74
Remaining funds due$157,046.74
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)$368.00
Initial HOA (3 months)$1,014.00
Prepaid interest, first (25 days)$266.91
Fees + prepaids$10,723.91
Your down payment is the seller’s equity. You take over the $138,677 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $157,046.74 is due at closing. Uses and sources reconcile at $295,723.91 each. Not a Closing Disclosure.