Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$231,394Cash toward the purchase price.
Closing costs + prepaids$10,490Not just lender fees.
Before credits & paid funds$241,885The complete starting cash picture.
Estimated remaining funds due at closing
$241,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,394.46
Your down payment$231,394.46
Closing costs + prepaids$10,490.28
Total buyer cash needed$241,884.74
Remaining funds due$241,884.74
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)$784.00
Initial HOA (3 months)$570.00
Prepaid interest, first (27 days)$161.28
Fees + prepaids$10,490.28
Your down payment is the seller’s equity. You take over the $43,606 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $241,884.74 is due at closing. Uses and sources reconcile at $285,490.28 each. Not a Closing Disclosure.