Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,289Cash toward the purchase price.
Closing costs + prepaids$10,434Not just lender fees.
Before credits & paid funds$126,723The complete starting cash picture.
Estimated remaining funds due at closing
$126,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,288.90
Your down payment$116,288.90
Closing costs + prepaids$10,434.08
Total buyer cash needed$126,722.99
Remaining funds due$126,722.99
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)$1,046.00
Prepaid interest, first (25 days)$413.08
Fees + prepaids$10,434.08
Your down payment is the seller’s equity. You take over the $158,711 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $126,722.99 is due at closing. Uses and sources reconcile at $285,434.08 each. Not a Closing Disclosure.