Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,025Cash toward the purchase price.
Closing costs + prepaids$10,758Not just lender fees.
Before credits & paid funds$95,783The complete starting cash picture.
Estimated remaining funds due at closing
$95,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,025.15
Your down payment$85,025.15
Closing costs + prepaids$10,757.80
Total buyer cash needed$95,782.95
Remaining funds due$95,782.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$613.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (25 days)$369.80
Fees + prepaids$10,757.80
Your down payment is the seller’s equity. You take over the $149,975 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $95,782.95 is due at closing. Uses and sources reconcile at $245,757.80 each. Not a Closing Disclosure.