Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$89,140Cash toward the purchase price.
Closing costs + prepaids$10,608Not just lender fees.
Before credits & paid funds$99,747The complete starting cash picture.
Estimated remaining funds due at closing
$99,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,139.63
Your down payment$89,139.63
Closing costs + prepaids$10,607.65
Total buyer cash needed$99,747.28
Remaining funds due$99,747.28
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)$449.75
Initial HOA (3 months)$1,155.00
Prepaid interest, first (2 days)$27.90
Fees + prepaids$10,607.65
Your down payment is the seller’s equity. You take over the $185,860 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $99,747.28 is due at closing. Uses and sources reconcile at $285,607.65 each. Not a Closing Disclosure.