Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,481Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$100,106The complete starting cash picture.
Estimated remaining funds due at closing
$100,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,480.58
Your down payment$89,480.58
Closing costs + prepaids$10,625.00
Total buyer cash needed$100,105.58
Remaining funds due$100,105.58
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)$849.75
Initial HOA (3 months)$249.00
Prepaid interest, first (27 days)$451.25
Fees + prepaids$10,625.00
Your down payment is the seller’s equity. You take over the $195,519 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $100,105.58 is due at closing. Uses and sources reconcile at $295,625.00 each. Not a Closing Disclosure.