Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$78,756Cash toward the purchase price.
Closing costs + prepaids$9,875Not just lender fees.
Before credits & paid funds$88,631The complete starting cash picture.
Estimated remaining funds due at closing
$88,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,755.72
Your down payment$78,755.72
Closing costs + prepaids$9,874.90
Total buyer cash needed$88,630.63
Remaining funds due$88,630.63
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)$342.00
Initial HOA (3 months)$315.00
Prepaid interest, first (9 days)$142.90
Fees + prepaids$9,874.90
Your down payment is the seller’s equity. You take over the $206,244 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $88,630.63 is due at closing. Uses and sources reconcile at $294,874.90 each. Not a Closing Disclosure.