Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$145,538Cash toward the purchase price.
Closing costs + prepaids$9,597Not just lender fees.
Before credits & paid funds$155,135The complete starting cash picture.
Estimated remaining funds due at closing
$155,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,537.62
Your down payment$145,537.62
Closing costs + prepaids$9,597.46
Total buyer cash needed$155,135.08
Remaining funds due$155,135.08
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)$356.25
Prepaid interest, first (15 days)$166.21
Fees + prepaids$9,597.46
Your down payment is the seller’s equity. You take over the $139,462 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $155,135.08 is due at closing. Uses and sources reconcile at $294,597.46 each. Not a Closing Disclosure.