Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,829Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$28,644The complete starting cash picture.
Estimated remaining funds due at closing
$28,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,829.40
Your down payment$17,829.40
Closing costs + prepaids$10,814.65
Total buyer cash needed$28,644.05
Remaining funds due$28,644.05
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)$441.25
Initial HOA (3 months)$375.00
Prepaid interest, first (25 days)$1,023.40
Fees + prepaids$10,814.65
Your down payment is the seller’s equity. You take over the $257,171 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $28,644.05 is due at closing. Uses and sources reconcile at $285,814.65 each. Not a Closing Disclosure.