Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$204,765Cash toward the purchase price.
Closing costs + prepaids$9,568Not just lender fees.
Before credits & paid funds$214,333The complete starting cash picture.
Estimated remaining funds due at closing
$214,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,765.15
Your down payment$204,765.15
Closing costs + prepaids$9,567.65
Total buyer cash needed$214,332.80
Remaining funds due$214,332.80
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)$245.75
Prepaid interest, first (27 days)$246.90
Fees + prepaids$9,567.65
Your down payment is the seller’s equity. You take over the $80,235 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $214,332.80 is due at closing. Uses and sources reconcile at $294,567.65 each. Not a Closing Disclosure.