Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$88,908Cash toward the purchase price.
Closing costs + prepaids$10,898Not just lender fees.
Before credits & paid funds$99,806The complete starting cash picture.
Estimated remaining funds due at closing
$99,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,907.69
Your down payment$88,907.69
Closing costs + prepaids$10,898.50
Total buyer cash needed$99,806.18
Remaining funds due$99,806.18
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)$1,263.75
Initial HOA (3 months)$216.99
Prepaid interest, first (22 days)$342.76
Fees + prepaids$10,898.50
Your down payment is the seller’s equity. You take over the $196,092 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $99,806.18 is due at closing. Uses and sources reconcile at $295,898.50 each. Not a Closing Disclosure.