Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,756Cash toward the purchase price.
Closing costs + prepaids$11,218Not just lender fees.
Before credits & paid funds$155,973The complete starting cash picture.
Estimated remaining funds due at closing
$155,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,755.80
Your down payment$144,755.80
Closing costs + prepaids$11,217.70
Total buyer cash needed$155,973.50
Remaining funds due$155,973.50
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)$698.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (26 days)$344.20
Fees + prepaids$11,217.70
Your down payment is the seller’s equity. You take over the $130,244 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $155,973.50 is due at closing. Uses and sources reconcile at $286,217.70 each. Not a Closing Disclosure.