Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,448Cash toward the purchase price.
Closing costs + prepaids$10,274Not just lender fees.
Before credits & paid funds$94,722The complete starting cash picture.
Estimated remaining funds due at closing
$94,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,448.28
Your down payment$84,448.28
Closing costs + prepaids$10,273.61
Total buyer cash needed$94,721.89
Remaining funds due$94,721.89
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)$345.75
Prepaid interest, first (27 days)$952.86
Fees + prepaids$10,273.61
Your down payment is the seller’s equity. You take over the $190,552 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $94,721.89 is due at closing. Uses and sources reconcile at $285,273.61 each. Not a Closing Disclosure.