Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$175,919Cash toward the purchase price.
Closing costs + prepaids$9,525Not just lender fees.
Before credits & paid funds$185,444The complete starting cash picture.
Estimated remaining funds due at closing
$185,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,919.14
Your down payment$175,919.14
Closing costs + prepaids$9,524.89
Total buyer cash needed$185,444.03
Remaining funds due$185,444.03
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
Prepaid interest, first (10 days)$107.89
Fees + prepaids$9,524.89
Your down payment is the seller’s equity. You take over the $109,081 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $185,444.03 is due at closing. Uses and sources reconcile at $294,524.89 each. Not a Closing Disclosure.