Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$175,600Cash toward the purchase price.
Closing costs + prepaids$9,237Not just lender fees.
Before credits & paid funds$184,837The complete starting cash picture.
Estimated remaining funds due at closing
$184,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,600.16
Your down payment$175,600.16
Closing costs + prepaids$9,237.07
Total buyer cash needed$184,837.23
Remaining funds due$184,837.23
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)$151.25
Prepaid interest, first (1 days)$10.82
Fees + prepaids$9,237.07
Your down payment is the seller’s equity. You take over the $109,400 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $184,837.23 is due at closing. Uses and sources reconcile at $294,237.07 each. Not a Closing Disclosure.