Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,706Cash toward the purchase price.
Closing costs + prepaids$10,132Not just lender fees.
Before credits & paid funds$138,839The complete starting cash picture.
Estimated remaining funds due at closing
$138,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,706.42
Your down payment$128,706.42
Closing costs + prepaids$10,132.46
Total buyer cash needed$138,838.89
Remaining funds due$138,838.89
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)$669.00
Prepaid interest, first (24 days)$388.46
Fees + prepaids$10,132.46
Your down payment is the seller’s equity. You take over the $156,294 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $138,838.89 is due at closing. Uses and sources reconcile at $295,132.46 each. Not a Closing Disclosure.