Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$91,671Cash toward the purchase price.
Closing costs + prepaids$10,970Not just lender fees.
Before credits & paid funds$102,641The complete starting cash picture.
Estimated remaining funds due at closing
$102,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,670.72
Your down payment$91,670.72
Closing costs + prepaids$10,970.22
Total buyer cash needed$102,640.94
Remaining funds due$102,640.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$525.75
Initial HOA (3 months)$1,446.00
Prepaid interest, first (26 days)$123.47
Fees + prepaids$10,970.22
Your down payment is the seller’s equity. You take over the $173,329 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $102,640.94 is due at closing. Uses and sources reconcile at $275,970.22 each. Not a Closing Disclosure.