Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$73,321Cash toward the purchase price.
Closing costs + prepaids$11,146Not just lender fees.
Before credits & paid funds$84,467The complete starting cash picture.
Estimated remaining funds due at closing
$84,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,321.01
Your down payment$73,321.01
Closing costs + prepaids$11,146.26
Total buyer cash needed$84,467.27
Remaining funds due$84,467.27
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)$268.00
Initial HOA (3 months)$1,095.00
Prepaid interest, first (23 days)$808.26
Fees + prepaids$11,146.26
Your down payment is the seller’s equity. You take over the $201,679 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $84,467.27 is due at closing. Uses and sources reconcile at $286,146.26 each. Not a Closing Disclosure.