Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$86,177Cash toward the purchase price.
Closing costs + prepaids$9,510Not just lender fees.
Before credits & paid funds$95,687The complete starting cash picture.
Estimated remaining funds due at closing
$95,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,177.30
Your down payment$86,177.30
Closing costs + prepaids$9,509.93
Total buyer cash needed$95,687.23
Remaining funds due$95,687.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,759.00
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)$447.25
Initial HOA (3 months)$45.00
Prepaid interest, first (1 days)$33.68
Fees + prepaids$9,509.93
Your down payment is the seller’s equity. You take over the $189,723 balance, so the rest of the $275,900 price is paid at closing. A second mortgage can cover part of it. $95,687.23 is due at closing. Uses and sources reconcile at $285,409.93 each. Not a Closing Disclosure.