Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,257Cash toward the purchase price.
Closing costs + prepaids$10,531Not just lender fees.
Before credits & paid funds$85,787The complete starting cash picture.
Estimated remaining funds due at closing
$85,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,256.52
Your down payment$75,256.52
Closing costs + prepaids$10,530.84
Total buyer cash needed$85,787.36
Remaining funds due$85,787.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$326.75
Initial HOA (3 months)$960.00
Prepaid interest, first (25 days)$369.09
Fees + prepaids$10,530.84
Your down payment is the seller’s equity. You take over the $189,743 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $85,787.36 is due at closing. Uses and sources reconcile at $275,530.84 each. Not a Closing Disclosure.