Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$171,562Cash toward the purchase price.
Closing costs + prepaids$10,297Not just lender fees.
Before credits & paid funds$181,859The complete starting cash picture.
Estimated remaining funds due at closing
$181,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,561.93
Your down payment$171,561.93
Closing costs + prepaids$10,296.78
Total buyer cash needed$181,858.71
Remaining funds due$181,858.71
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)$691.00
Initial HOA (3 months)$339.00
Prepaid interest, first (24 days)$291.78
Fees + prepaids$10,296.78
Your down payment is the seller’s equity. You take over the $103,438 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $181,858.71 is due at closing. Uses and sources reconcile at $285,296.78 each. Not a Closing Disclosure.