Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$204,765Cash toward the purchase price.
Closing costs + prepaids$9,508Not just lender fees.
Before credits & paid funds$214,274The complete starting cash picture.
Estimated remaining funds due at closing
$214,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,765.15
Your down payment$204,765.15
Closing costs + prepaids$9,508.45
Total buyer cash needed$214,273.59
Remaining funds due$214,273.59
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)$91.45
Fees + prepaids$9,508.45
Your down payment is the seller’s equity. You take over the $80,235 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $214,273.59 is due at closing. Uses and sources reconcile at $294,508.45 each. Not a Closing Disclosure.