Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$121,484Cash toward the purchase price.
Closing costs + prepaids$10,101Not just lender fees.
Before credits & paid funds$131,585The complete starting cash picture.
Estimated remaining funds due at closing
$131,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,484.12
Your down payment$121,484.12
Closing costs + prepaids$10,101.11
Total buyer cash needed$131,585.24
Remaining funds due$131,585.24
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)$489.25
Initial HOA (3 months)$330.00
Prepaid interest, first (24 days)$306.86
Fees + prepaids$10,101.11
Your down payment is the seller’s equity. You take over the $153,516 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $131,585.24 is due at closing. Uses and sources reconcile at $285,101.11 each. Not a Closing Disclosure.