Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$45,329Cash toward the purchase price.
Closing costs + prepaids$11,286Not just lender fees.
Before credits & paid funds$56,615The complete starting cash picture.
Estimated remaining funds due at closing
$56,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,329.17
Your down payment$45,329.17
Closing costs + prepaids$11,285.89
Total buyer cash needed$56,615.06
Remaining funds due$56,615.06
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)$866.50
Prepaid interest, first (29 days)$1,344.39
Fees + prepaids$11,285.89
Your down payment is the seller’s equity. You take over the $239,671 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $56,615.06 is due at closing. Uses and sources reconcile at $296,285.89 each. Not a Closing Disclosure.