Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$207,072Cash toward the purchase price.
Closing costs + prepaids$9,259Not just lender fees.
Before credits & paid funds$216,331The complete starting cash picture.
Estimated remaining funds due at closing
$216,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,072.10
Your down payment$207,072.10
Closing costs + prepaids$9,259.19
Total buyer cash needed$216,331.29
Remaining funds due$216,331.29
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)$110.00
Prepaid interest, first (24 days)$174.19
Fees + prepaids$9,259.19
Your down payment is the seller’s equity. You take over the $67,928 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $216,331.29 is due at closing. Uses and sources reconcile at $284,259.19 each. Not a Closing Disclosure.