Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$95,749Cash toward the purchase price.
Closing costs + prepaids$10,048Not just lender fees.
Before credits & paid funds$105,797The complete starting cash picture.
Estimated remaining funds due at closing
$105,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,748.83
Your down payment$95,748.83
Closing costs + prepaids$10,047.91
Total buyer cash needed$105,796.75
Remaining funds due$105,796.75
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)$232.25
Prepaid interest, first (27 days)$840.66
Fees + prepaids$10,047.91
Your down payment is the seller’s equity. You take over the $179,251 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $105,796.75 is due at closing. Uses and sources reconcile at $285,047.91 each. Not a Closing Disclosure.