Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,166Cash toward the purchase price.
Closing costs + prepaids$9,530Not just lender fees.
Before credits & paid funds$104,696The complete starting cash picture.
Estimated remaining funds due at closing
$104,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,166.06
Your down payment$95,166.06
Closing costs + prepaids$9,530.07
Total buyer cash needed$104,696.13
Remaining funds due$104,696.13
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)$347.25
Initial HOA (3 months)$74.01
Prepaid interest, first (1 days)$33.81
Fees + prepaids$9,530.07
Your down payment is the seller’s equity. You take over the $189,834 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $104,696.13 is due at closing. Uses and sources reconcile at $294,530.07 each. Not a Closing Disclosure.