Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,083Cash toward the purchase price.
Closing costs + prepaids$10,716Not just lender fees.
Before credits & paid funds$166,799The complete starting cash picture.
Estimated remaining funds due at closing
$166,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,083.20
Your down payment$156,083.20
Closing costs + prepaids$10,715.70
Total buyer cash needed$166,798.90
Remaining funds due$166,798.90
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)$684.75
Initial HOA (3 months)$702.00
Prepaid interest, first (28 days)$353.95
Fees + prepaids$10,715.70
Your down payment is the seller’s equity. You take over the $118,917 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $166,798.90 is due at closing. Uses and sources reconcile at $285,715.70 each. Not a Closing Disclosure.