Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,903Cash toward the purchase price.
Closing costs + prepaids$10,585Not just lender fees.
Before credits & paid funds$26,487The complete starting cash picture.
Estimated remaining funds due at closing
$26,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,902.62
Your down payment$15,902.62
Closing costs + prepaids$10,584.76
Total buyer cash needed$26,487.38
Remaining funds due$26,487.38
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)$984.00
Initial HOA (3 months)$62.49
Prepaid interest, first (23 days)$563.27
Fees + prepaids$10,584.76
Your down payment is the seller’s equity. You take over the $259,097 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $26,487.38 is due at closing. Uses and sources reconcile at $285,584.76 each. Not a Closing Disclosure.