Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,872Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$177,894The complete starting cash picture.
Estimated remaining funds due at closing
$177,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,872.16
Your down payment$167,872.16
Closing costs + prepaids$10,021.48
Total buyer cash needed$177,893.64
Remaining funds due$177,893.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$716.00
Initial HOA (3 months)$411.00
Prepaid interest, first (2 days)$19.48
Fees + prepaids$10,021.48
Your down payment is the seller’s equity. You take over the $97,128 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $177,893.64 is due at closing. Uses and sources reconcile at $275,021.48 each. Not a Closing Disclosure.