Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$164,570Cash toward the purchase price.
Closing costs + prepaids$9,733Not just lender fees.
Before credits & paid funds$174,303The complete starting cash picture.
Estimated remaining funds due at closing
$174,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,569.93
Your down payment$164,569.93
Closing costs + prepaids$9,733.44
Total buyer cash needed$174,303.37
Remaining funds due$174,303.37
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)$409.00
Prepaid interest, first (28 days)$249.44
Fees + prepaids$9,733.44
Your down payment is the seller’s equity. You take over the $120,430 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $174,303.37 is due at closing. Uses and sources reconcile at $294,733.44 each. Not a Closing Disclosure.