Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$43,039Cash toward the purchase price.
Closing costs + prepaids$9,507Not just lender fees.
Before credits & paid funds$52,546The complete starting cash picture.
Estimated remaining funds due at closing
$52,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,038.96
Your down payment$43,038.96
Closing costs + prepaids$9,507.45
Total buyer cash needed$52,546.40
Remaining funds due$52,546.40
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)$26.75
Prepaid interest, first (20 days)$405.70
Fees + prepaids$9,507.45
Your down payment is the seller’s equity. You take over the $241,961 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $52,546.40 is due at closing. Uses and sources reconcile at $294,507.45 each. Not a Closing Disclosure.