Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,813Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$108,303The complete starting cash picture.
Estimated remaining funds due at closing
$108,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,813.50
Your down payment$97,813.50
Closing costs + prepaids$10,489.47
Total buyer cash needed$108,302.97
Remaining funds due$108,302.97
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)$754.50
Initial HOA (3 months)$444.00
Prepaid interest, first (23 days)$315.97
Fees + prepaids$10,489.47
Your down payment is the seller’s equity. You take over the $177,187 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $108,302.97 is due at closing. Uses and sources reconcile at $285,489.47 each. Not a Closing Disclosure.