Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$110,563Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$121,477The complete starting cash picture.
Estimated remaining funds due at closing
$121,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,562.54
Your down payment$110,562.54
Closing costs + prepaids$10,914.95
Total buyer cash needed$121,477.49
Remaining funds due$121,477.49
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)$645.00
Initial HOA (3 months)$924.00
Prepaid interest, first (23 days)$370.95
Fees + prepaids$10,914.95
Your down payment is the seller’s equity. You take over the $164,437 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $121,477.49 is due at closing. Uses and sources reconcile at $285,914.95 each. Not a Closing Disclosure.