Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$165,820Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$177,547The complete starting cash picture.
Estimated remaining funds due at closing
$177,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,819.82
Your down payment$165,819.82
Closing costs + prepaids$11,726.84
Total buyer cash needed$177,546.66
Remaining funds due$177,546.66
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)$685.75
Initial HOA (3 months)$1,755.00
Prepaid interest, first (26 days)$311.09
Fees + prepaids$11,726.84
Your down payment is the seller’s equity. You take over the $109,180 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $177,546.66 is due at closing. Uses and sources reconcile at $286,726.84 each. Not a Closing Disclosure.