Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$130,263Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$141,006The complete starting cash picture.
Estimated remaining funds due at closing
$141,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,263.35
Your down payment$130,263.35
Closing costs + prepaids$10,742.36
Total buyer cash needed$141,005.72
Remaining funds due$141,005.72
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)$894.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$473.11
Fees + prepaids$10,742.36
Your down payment is the seller’s equity. You take over the $154,737 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $141,005.72 is due at closing. Uses and sources reconcile at $295,742.36 each. Not a Closing Disclosure.