Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$85,329Cash toward the purchase price.
Closing costs + prepaids$10,665Not just lender fees.
Before credits & paid funds$95,994The complete starting cash picture.
Estimated remaining funds due at closing
$95,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,328.75
Your down payment$85,328.75
Closing costs + prepaids$10,665.35
Total buyer cash needed$95,994.10
Remaining funds due$95,994.10
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)$1,110.00
Prepaid interest, first (9 days)$138.35
Fees + prepaids$10,665.35
Your down payment is the seller’s equity. You take over the $199,671 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $95,994.10 is due at closing. Uses and sources reconcile at $295,665.35 each. Not a Closing Disclosure.