Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$164,188Cash toward the purchase price.
Closing costs + prepaids$9,194Not just lender fees.
Before credits & paid funds$173,382The complete starting cash picture.
Estimated remaining funds due at closing
$173,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,187.78
Your down payment$164,187.78
Closing costs + prepaids$9,194.25
Total buyer cash needed$173,382.03
Remaining funds due$173,382.03
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)$107.00
Prepaid interest, first (1 days)$12.25
Fees + prepaids$9,194.25
Your down payment is the seller’s equity. You take over the $120,812 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $173,382.03 is due at closing. Uses and sources reconcile at $294,194.25 each. Not a Closing Disclosure.