Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$73,329Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$83,678The complete starting cash picture.
Estimated remaining funds due at closing
$83,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,329.10
Your down payment$73,329.10
Closing costs + prepaids$10,349.22
Total buyer cash needed$83,678.32
Remaining funds due$83,678.32
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)$774.00
Initial HOA (3 months)$240.00
Prepaid interest, first (28 days)$460.22
Fees + prepaids$10,349.22
Your down payment is the seller’s equity. You take over the $191,671 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $83,678.32 is due at closing. Uses and sources reconcile at $275,349.22 each. Not a Closing Disclosure.