Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$93,795Cash toward the purchase price.
Closing costs + prepaids$10,788Not just lender fees.
Before credits & paid funds$104,583The complete starting cash picture.
Estimated remaining funds due at closing
$104,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,795.45
Your down payment$93,795.45
Closing costs + prepaids$10,788.04
Total buyer cash needed$104,583.49
Remaining funds due$104,583.49
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)$837.50
Initial HOA (3 months)$72.00
Prepaid interest, first (28 days)$903.54
Fees + prepaids$10,788.04
Your down payment is the seller’s equity. You take over the $181,205 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $104,583.49 is due at closing. Uses and sources reconcile at $285,788.04 each. Not a Closing Disclosure.