Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,506Cash toward the purchase price.
Closing costs + prepaids$11,365Not just lender fees.
Before credits & paid funds$71,871The complete starting cash picture.
Estimated remaining funds due at closing
$71,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,506.02
Your down payment$60,506.02
Closing costs + prepaids$11,365.23
Total buyer cash needed$71,871.26
Remaining funds due$71,871.26
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)$1,628.75
Prepaid interest, first (22 days)$761.48
Fees + prepaids$11,365.23
Your down payment is the seller’s equity. You take over the $214,494 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $71,871.26 is due at closing. Uses and sources reconcile at $286,365.23 each. Not a Closing Disclosure.