Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$189,134Cash toward the purchase price.
Closing costs + prepaids$9,677Not just lender fees.
Before credits & paid funds$198,811The complete starting cash picture.
Estimated remaining funds due at closing
$198,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,133.78
Your down payment$189,133.78
Closing costs + prepaids$9,677.48
Total buyer cash needed$198,811.26
Remaining funds due$198,811.26
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)$387.25
Initial HOA (3 months)$87.51
Prepaid interest, first (22 days)$227.72
Fees + prepaids$9,677.48
Your down payment is the seller’s equity. You take over the $85,866 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $198,811.26 is due at closing. Uses and sources reconcile at $284,677.48 each. Not a Closing Disclosure.