Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$90,958Cash toward the purchase price.
Closing costs + prepaids$10,296Not just lender fees.
Before credits & paid funds$101,254The complete starting cash picture.
Estimated remaining funds due at closing
$101,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,957.68
Your down payment$90,957.68
Closing costs + prepaids$10,296.00
Total buyer cash needed$101,253.68
Remaining funds due$101,253.68
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)$1,011.75
Prepaid interest, first (6 days)$209.25
Fees + prepaids$10,296.00
Your down payment is the seller’s equity. You take over the $194,042 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $101,253.68 is due at closing. Uses and sources reconcile at $295,296.00 each. Not a Closing Disclosure.