Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$113,948Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$125,343The complete starting cash picture.
Estimated remaining funds due at closing
$125,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,948.23
Your down payment$113,948.23
Closing costs + prepaids$11,394.40
Total buyer cash needed$125,342.63
Remaining funds due$125,342.63
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)$1,002.50
Initial HOA (3 months)$912.00
Prepaid interest, first (30 days)$404.90
Fees + prepaids$11,394.40
Your down payment is the seller’s equity. You take over the $171,052 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $125,342.63 is due at closing. Uses and sources reconcile at $296,394.40 each. Not a Closing Disclosure.