Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$165,820Cash toward the purchase price.
Closing costs + prepaids$11,751Not just lender fees.
Before credits & paid funds$177,571The complete starting cash picture.
Estimated remaining funds due at closing
$177,571No 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$11,750.77
Total buyer cash needed$177,570.59
Remaining funds due$177,570.59
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 (28 days)$335.02
Fees + prepaids$11,750.77
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. $177,570.59 is due at closing. Uses and sources reconcile at $286,750.77 each. Not a Closing Disclosure.