Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$100,447Cash toward the purchase price.
Closing costs + prepaids$10,934Not just lender fees.
Before credits & paid funds$111,381The complete starting cash picture.
Estimated remaining funds due at closing
$111,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,446.76
Your down payment$100,446.76
Closing costs + prepaids$10,934.27
Total buyer cash needed$111,381.04
Remaining funds due$111,381.04
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)$896.25
Initial HOA (3 months)$507.00
Prepaid interest, first (29 days)$456.02
Fees + prepaids$10,934.27
Your down payment is the seller’s equity. You take over the $184,553 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $111,381.04 is due at closing. Uses and sources reconcile at $295,934.27 each. Not a Closing Disclosure.