Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$77,362Cash toward the purchase price.
Closing costs + prepaids$12,033Not just lender fees.
Before credits & paid funds$89,395The complete starting cash picture.
Estimated remaining funds due at closing
$89,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,361.64
Your down payment$77,361.64
Closing costs + prepaids$12,032.95
Total buyer cash needed$89,394.59
Remaining funds due$89,394.59
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)$1,735.50
Initial HOA (3 months)$92.76
Prepaid interest, first (30 days)$1,229.69
Fees + prepaids$12,032.95
Your down payment is the seller’s equity. You take over the $197,638 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $89,394.59 is due at closing. Uses and sources reconcile at $287,032.95 each. Not a Closing Disclosure.