Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$96,809Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$107,787The complete starting cash picture.
Estimated remaining funds due at closing
$107,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,809.14
Your down payment$96,809.14
Closing costs + prepaids$10,978.29
Total buyer cash needed$107,787.43
Remaining funds due$107,787.43
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)$890.00
Initial HOA (3 months)$750.00
Prepaid interest, first (22 days)$463.29
Fees + prepaids$10,978.29
Your down payment is the seller’s equity. You take over the $168,191 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $107,787.43 is due at closing. Uses and sources reconcile at $275,978.29 each. Not a Closing Disclosure.