Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$26,493Cash toward the purchase price.
Closing costs + prepaids$10,701Not just lender fees.
Before credits & paid funds$37,194The complete starting cash picture.
Estimated remaining funds due at closing
$37,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,492.93
Your down payment$26,492.93
Closing costs + prepaids$10,701.11
Total buyer cash needed$37,194.04
Remaining funds due$37,194.04
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)$185.50
Initial HOA (3 months)$570.00
Prepaid interest, first (22 days)$970.61
Fees + prepaids$10,701.11
Your down payment is the seller’s equity. You take over the $248,507 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $37,194.04 is due at closing. Uses and sources reconcile at $285,701.11 each. Not a Closing Disclosure.