Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$72,240Cash toward the purchase price.
Closing costs + prepaids$10,821Not just lender fees.
Before credits & paid funds$83,061The complete starting cash picture.
Estimated remaining funds due at closing
$83,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,239.69
Your down payment$72,239.69
Closing costs + prepaids$10,821.08
Total buyer cash needed$83,060.77
Remaining funds due$83,060.77
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)$836.75
Prepaid interest, first (24 days)$909.33
Fees + prepaids$10,821.08
Your down payment is the seller’s equity. You take over the $212,760 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $83,060.77 is due at closing. Uses and sources reconcile at $295,821.08 each. Not a Closing Disclosure.