Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$238,909Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$249,286The complete starting cash picture.
Estimated remaining funds due at closing
$249,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,908.57
Your down payment$238,908.57
Closing costs + prepaids$10,377.04
Total buyer cash needed$249,285.61
Remaining funds due$249,285.61
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)$395.25
Initial HOA (3 months)$900.00
Prepaid interest, first (24 days)$106.79
Fees + prepaids$10,377.04
Your down payment is the seller’s equity. You take over the $36,091 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $249,285.61 is due at closing. Uses and sources reconcile at $285,377.04 each. Not a Closing Disclosure.