Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,091Cash toward the purchase price.
Closing costs + prepaids$10,255Not just lender fees.
Before credits & paid funds$142,346The complete starting cash picture.
Estimated remaining funds due at closing
$142,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,090.95
Your down payment$132,090.95
Closing costs + prepaids$10,255.23
Total buyer cash needed$142,346.17
Remaining funds due$142,346.17
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)$899.50
Prepaid interest, first (26 days)$380.73
Fees + prepaids$10,255.23
Your down payment is the seller’s equity. You take over the $142,909 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $142,346.17 is due at closing. Uses and sources reconcile at $285,255.23 each. Not a Closing Disclosure.