Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,563Cash toward the purchase price.
Closing costs + prepaids$10,945Not just lender fees.
Before credits & paid funds$86,509The complete starting cash picture.
Estimated remaining funds due at closing
$86,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,563.34
Your down payment$75,563.34
Closing costs + prepaids$10,945.21
Total buyer cash needed$86,508.55
Remaining funds due$86,508.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,859.00
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)$898.25
Initial HOA (3 months)$525.00
Prepaid interest, first (25 days)$437.96
Fees + prepaids$10,945.21
Your down payment is the seller’s equity. You take over the $210,337 balance, so the rest of the $285,900 price is paid at closing. A second mortgage can cover part of it. $86,508.55 is due at closing. Uses and sources reconcile at $296,845.21 each. Not a Closing Disclosure.