Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$117,565Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$128,375The complete starting cash picture.
Estimated remaining funds due at closing
$128,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,565.42
Your down payment$117,565.42
Closing costs + prepaids$10,809.19
Total buyer cash needed$128,374.61
Remaining funds due$128,374.61
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)$330.00
Initial HOA (3 months)$1,278.00
Prepaid interest, first (12 days)$226.19
Fees + prepaids$10,809.19
Your down payment is the seller’s equity. You take over the $157,435 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $128,374.61 is due at closing. Uses and sources reconcile at $285,809.19 each. Not a Closing Disclosure.