Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$84,330Cash toward the purchase price.
Closing costs + prepaids$10,801Not just lender fees.
Before credits & paid funds$95,131The complete starting cash picture.
Estimated remaining funds due at closing
$95,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,329.69
Your down payment$84,329.69
Closing costs + prepaids$10,801.02
Total buyer cash needed$95,130.71
Remaining funds due$95,130.71
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)$432.25
Initial HOA (3 months)$405.00
Prepaid interest, first (28 days)$988.77
Fees + prepaids$10,801.02
Your down payment is the seller’s equity. You take over the $190,670 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $95,130.71 is due at closing. Uses and sources reconcile at $285,801.02 each. Not a Closing Disclosure.