Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,649Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$141,284The complete starting cash picture.
Estimated remaining funds due at closing
$141,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,649.01
Your down payment$130,649.01
Closing costs + prepaids$10,634.53
Total buyer cash needed$141,283.54
Remaining funds due$141,283.54
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)$1,078.25
Initial HOA (3 months)$42.00
Prepaid interest, first (28 days)$539.28
Fees + prepaids$10,634.53
Your down payment is the seller’s equity. You take over the $144,351 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $141,283.54 is due at closing. Uses and sources reconcile at $285,634.53 each. Not a Closing Disclosure.