Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,429Cash toward the purchase price.
Closing costs + prepaids$10,695Not just lender fees.
Before credits & paid funds$112,124The complete starting cash picture.
Estimated remaining funds due at closing
$112,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,428.62
Your down payment$101,428.62
Closing costs + prepaids$10,695.02
Total buyer cash needed$112,123.63
Remaining funds due$112,123.63
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)$1,289.75
Prepaid interest, first (24 days)$430.27
Fees + prepaids$10,695.02
Your down payment is the seller’s equity. You take over the $173,571 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $112,123.63 is due at closing. Uses and sources reconcile at $285,695.02 each. Not a Closing Disclosure.