Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,723Cash toward the purchase price.
Closing costs + prepaids$11,640Not just lender fees.
Before credits & paid funds$94,363The complete starting cash picture.
Estimated remaining funds due at closing
$94,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,722.95
Your down payment$82,722.95
Closing costs + prepaids$11,639.81
Total buyer cash needed$94,362.76
Remaining funds due$94,362.76
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)$1,075.75
Initial HOA (3 months)$810.00
Prepaid interest, first (23 days)$779.06
Fees + prepaids$11,639.81
Your down payment is the seller’s equity. You take over the $192,277 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $94,362.76 is due at closing. Uses and sources reconcile at $286,639.81 each. Not a Closing Disclosure.