Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$170,073Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$181,096The complete starting cash picture.
Estimated remaining funds due at closing
$181,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,073.22
Your down payment$170,073.22
Closing costs + prepaids$11,023.02
Total buyer cash needed$181,096.24
Remaining funds due$181,096.24
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)$726.75
Initial HOA (3 months)$1,185.00
Prepaid interest, first (4 days)$36.27
Fees + prepaids$11,023.02
Your down payment is the seller’s equity. You take over the $114,927 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $181,096.24 is due at closing. Uses and sources reconcile at $296,023.02 each. Not a Closing Disclosure.