Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,489Cash toward the purchase price.
Closing costs + prepaids$11,350Not just lender fees.
Before credits & paid funds$74,839The complete starting cash picture.
Estimated remaining funds due at closing
$74,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,488.78
Your down payment$63,488.78
Closing costs + prepaids$11,350.29
Total buyer cash needed$74,839.07
Remaining funds due$74,839.07
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)$1,912.75
Prepaid interest, first (26 days)$462.54
Fees + prepaids$11,350.29
Your down payment is the seller’s equity. You take over the $211,511 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $74,839.07 is due at closing. Uses and sources reconcile at $286,350.29 each. Not a Closing Disclosure.