Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$112,454Cash toward the purchase price.
Closing costs + prepaids$9,725Not just lender fees.
Before credits & paid funds$122,179The complete starting cash picture.
Estimated remaining funds due at closing
$122,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,453.68
Your down payment$112,453.68
Closing costs + prepaids$9,725.20
Total buyer cash needed$122,178.88
Remaining funds due$122,178.88
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)$253.25
Prepaid interest, first (27 days)$396.95
Fees + prepaids$9,725.20
Your down payment is the seller’s equity. You take over the $172,546 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $122,178.88 is due at closing. Uses and sources reconcile at $294,725.20 each. Not a Closing Disclosure.