Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,357Cash toward the purchase price.
Closing costs + prepaids$10,362Not just lender fees.
Before credits & paid funds$59,719The complete starting cash picture.
Estimated remaining funds due at closing
$59,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,356.79
Your down payment$49,356.79
Closing costs + prepaids$10,362.22
Total buyer cash needed$59,719.01
Remaining funds due$59,719.01
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)$281.25
Initial HOA (3 months)$525.00
Prepaid interest, first (25 days)$480.97
Fees + prepaids$10,362.22
Your down payment is the seller’s equity. You take over the $235,643 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $59,719.01 is due at closing. Uses and sources reconcile at $295,362.22 each. Not a Closing Disclosure.