Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,465Cash toward the purchase price.
Closing costs + prepaids$9,760Not just lender fees.
Before credits & paid funds$73,225The complete starting cash picture.
Estimated remaining funds due at closing
$73,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,465.49
Your down payment$63,465.49
Closing costs + prepaids$9,759.73
Total buyer cash needed$73,225.22
Remaining funds due$73,225.22
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)$187.50
Initial HOA (3 months)$249.99
Prepaid interest, first (27 days)$447.24
Fees + prepaids$9,759.73
Your down payment is the seller’s equity. You take over the $201,535 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $73,225.22 is due at closing. Uses and sources reconcile at $274,759.73 each. Not a Closing Disclosure.