Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,952Cash toward the purchase price.
Closing costs + prepaids$9,818Not just lender fees.
Before credits & paid funds$116,770The complete starting cash picture.
Estimated remaining funds due at closing
$116,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,952.12
Your down payment$106,952.12
Closing costs + prepaids$9,818.29
Total buyer cash needed$116,770.41
Remaining funds due$116,770.41
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)$509.50
Prepaid interest, first (25 days)$333.79
Fees + prepaids$9,818.29
Your down payment is the seller’s equity. You take over the $168,048 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $116,770.41 is due at closing. Uses and sources reconcile at $284,818.29 each. Not a Closing Disclosure.