Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,879Cash toward the purchase price.
Closing costs + prepaids$10,660Not just lender fees.
Before credits & paid funds$95,539The complete starting cash picture.
Estimated remaining funds due at closing
$95,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,878.63
Your down payment$84,878.63
Closing costs + prepaids$10,659.90
Total buyer cash needed$95,538.52
Remaining funds due$95,538.52
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)$1,112.50
Prepaid interest, first (27 days)$572.40
Fees + prepaids$10,659.90
Your down payment is the seller’s equity. You take over the $190,121 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $95,538.52 is due at closing. Uses and sources reconcile at $285,659.90 each. Not a Closing Disclosure.