Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,431Cash toward the purchase price.
Closing costs + prepaids$10,330Not just lender fees.
Before credits & paid funds$76,761The complete starting cash picture.
Estimated remaining funds due at closing
$76,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,430.72
Your down payment$66,430.72
Closing costs + prepaids$10,330.45
Total buyer cash needed$76,761.17
Remaining funds due$76,761.17
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)$230.75
Prepaid interest, first (31 days)$1,024.70
Fees + prepaids$10,330.45
Your down payment is the seller’s equity. You take over the $218,569 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $76,761.17 is due at closing. Uses and sources reconcile at $295,330.45 each. Not a Closing Disclosure.