Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$157,611Cash toward the purchase price.
Closing costs + prepaids$10,058Not just lender fees.
Before credits & paid funds$167,668The complete starting cash picture.
Estimated remaining funds due at closing
$167,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,610.72
Your down payment$157,610.72
Closing costs + prepaids$10,057.66
Total buyer cash needed$167,668.38
Remaining funds due$167,668.38
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)$736.75
Prepaid interest, first (26 days)$245.91
Fees + prepaids$10,057.66
Your down payment is the seller’s equity. You take over the $127,389 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $167,668.38 is due at closing. Uses and sources reconcile at $295,057.66 each. Not a Closing Disclosure.