Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,865Cash toward the purchase price.
Closing costs + prepaids$9,317Not just lender fees.
Before credits & paid funds$175,181The complete starting cash picture.
Estimated remaining funds due at closing
$175,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,864.98
Your down payment$165,864.98
Closing costs + prepaids$9,316.51
Total buyer cash needed$175,181.49
Remaining funds due$175,181.49
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)$329.25
Prepaid interest, first (1 days)$12.26
Fees + prepaids$9,316.51
Your down payment is the seller’s equity. You take over the $109,135 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $175,181.49 is due at closing. Uses and sources reconcile at $284,316.51 each. Not a Closing Disclosure.