Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$141,761Cash toward the purchase price.
Closing costs + prepaids$11,244Not just lender fees.
Before credits & paid funds$153,006The complete starting cash picture.
Estimated remaining funds due at closing
$153,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,761.33
Your down payment$141,761.33
Closing costs + prepaids$11,244.48
Total buyer cash needed$153,005.81
Remaining funds due$153,005.81
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)$1,831.75
Prepaid interest, first (26 days)$337.73
Fees + prepaids$11,244.48
Your down payment is the seller’s equity. You take over the $143,239 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $153,005.81 is due at closing. Uses and sources reconcile at $296,244.48 each. Not a Closing Disclosure.