Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$179,235Cash toward the purchase price.
Closing costs + prepaids$10,129Not just lender fees.
Before credits & paid funds$189,364The complete starting cash picture.
Estimated remaining funds due at closing
$189,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,235.42
Your down payment$179,235.42
Closing costs + prepaids$10,128.99
Total buyer cash needed$189,364.42
Remaining funds due$189,364.42
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)$687.50
Prepaid interest, first (28 days)$466.49
Fees + prepaids$10,128.99
Your down payment is the seller’s equity. You take over the $95,765 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $189,364.42 is due at closing. Uses and sources reconcile at $285,128.99 each. Not a Closing Disclosure.