Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$198,651Cash toward the purchase price.
Closing costs + prepaids$9,548Not just lender fees.
Before credits & paid funds$208,199The complete starting cash picture.
Estimated remaining funds due at closing
$208,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,650.84
Your down payment$198,650.84
Closing costs + prepaids$9,548.13
Total buyer cash needed$208,198.98
Remaining funds due$208,198.98
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)$373.75
Initial HOA (3 months)$13.74
Prepaid interest, first (25 days)$185.64
Fees + prepaids$9,548.13
Your down payment is the seller’s equity. You take over the $76,349 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $208,198.98 is due at closing. Uses and sources reconcile at $284,548.13 each. Not a Closing Disclosure.