Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,195Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$30,132The complete starting cash picture.
Estimated remaining funds due at closing
$30,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,194.92
Your down payment$19,194.92
Closing costs + prepaids$10,937.30
Total buyer cash needed$30,132.22
Remaining funds due$30,132.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$227.50
Initial HOA (3 months)$660.00
Prepaid interest, first (24 days)$1,074.80
Fees + prepaids$10,937.30
Your down payment is the seller’s equity. You take over the $255,805 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $30,132.22 is due at closing. Uses and sources reconcile at $285,937.30 each. Not a Closing Disclosure.