Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$233,095Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$244,079The complete starting cash picture.
Estimated remaining funds due at closing
$244,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,094.79
Your down payment$233,094.79
Closing costs + prepaids$10,984.58
Total buyer cash needed$244,079.37
Remaining funds due$244,079.37
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)$1,908.00
Prepaid interest, first (28 days)$101.58
Fees + prepaids$10,984.58
Your down payment is the seller’s equity. You take over the $41,905 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $244,079.37 is due at closing. Uses and sources reconcile at $285,984.58 each. Not a Closing Disclosure.