Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,286Cash toward the purchase price.
Closing costs + prepaids$9,220Not just lender fees.
Before credits & paid funds$104,506The complete starting cash picture.
Estimated remaining funds due at closing
$104,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,285.63
Your down payment$95,285.63
Closing costs + prepaids$9,220.31
Total buyer cash needed$104,505.94
Remaining funds due$104,505.94
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)$129.25
Prepaid interest, first (1 days)$16.06
Fees + prepaids$9,220.31
Your down payment is the seller’s equity. You take over the $189,714 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $104,505.94 is due at closing. Uses and sources reconcile at $294,220.31 each. Not a Closing Disclosure.