Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$188,357Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$198,735The complete starting cash picture.
Estimated remaining funds due at closing
$198,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,356.83
Your down payment$188,356.83
Closing costs + prepaids$10,377.96
Total buyer cash needed$198,734.79
Remaining funds due$198,734.79
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)$414.50
Initial HOA (3 months)$900.00
Prepaid interest, first (25 days)$188.46
Fees + prepaids$10,377.96
Your down payment is the seller’s equity. You take over the $76,643 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $198,734.79 is due at closing. Uses and sources reconcile at $275,377.96 each. Not a Closing Disclosure.