Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,266Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$87,936The complete starting cash picture.
Estimated remaining funds due at closing
$87,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,266.25
Your down payment$78,266.25
Closing costs + prepaids$9,670.17
Total buyer cash needed$87,936.42
Remaining funds due$87,936.42
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)$264.25
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$15.92
Fees + prepaids$9,670.17
Your down payment is the seller’s equity. You take over the $206,734 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $87,936.42 is due at closing. Uses and sources reconcile at $294,670.17 each. Not a Closing Disclosure.