Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$91,071Cash toward the purchase price.
Closing costs + prepaids$11,037Not just lender fees.
Before credits & paid funds$102,108The complete starting cash picture.
Estimated remaining funds due at closing
$102,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,070.56
Your down payment$91,070.56
Closing costs + prepaids$11,037.25
Total buyer cash needed$102,107.81
Remaining funds due$102,107.81
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)$831.00
Initial HOA (3 months)$900.00
Prepaid interest, first (25 days)$431.25
Fees + prepaids$11,037.25
Your down payment is the seller’s equity. You take over the $173,929 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $102,107.81 is due at closing. Uses and sources reconcile at $276,037.25 each. Not a Closing Disclosure.