Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,762Cash toward the purchase price.
Closing costs + prepaids$10,284Not just lender fees.
Before credits & paid funds$108,046The complete starting cash picture.
Estimated remaining funds due at closing
$108,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,761.67
Your down payment$97,761.67
Closing costs + prepaids$10,284.09
Total buyer cash needed$108,045.76
Remaining funds due$108,045.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$229.00
Initial HOA (3 months)$837.00
Prepaid interest, first (26 days)$343.09
Fees + prepaids$10,284.09
Your down payment is the seller’s equity. You take over the $167,238 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $108,045.76 is due at closing. Uses and sources reconcile at $275,284.09 each. Not a Closing Disclosure.