Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$192,761Cash toward the purchase price.
Closing costs + prepaids$9,850Not just lender fees.
Before credits & paid funds$202,611The complete starting cash picture.
Estimated remaining funds due at closing
$202,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,760.54
Your down payment$192,760.54
Closing costs + prepaids$9,850.26
Total buyer cash needed$202,610.80
Remaining funds due$202,610.80
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)$494.75
Prepaid interest, first (25 days)$280.51
Fees + prepaids$9,850.26
Your down payment is the seller’s equity. You take over the $92,239 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $202,610.80 is due at closing. Uses and sources reconcile at $294,850.26 each. Not a Closing Disclosure.