Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,723Cash toward the purchase price.
Closing costs + prepaids$11,911Not just lender fees.
Before credits & paid funds$94,634The complete starting cash picture.
Estimated remaining funds due at closing
$94,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,722.95
Your down payment$82,722.95
Closing costs + prepaids$11,910.79
Total buyer cash needed$94,633.74
Remaining funds due$94,633.74
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)$1,075.75
Initial HOA (3 months)$810.00
Prepaid interest, first (31 days)$1,050.04
Fees + prepaids$11,910.79
Your down payment is the seller’s equity. You take over the $192,277 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $94,633.74 is due at closing. Uses and sources reconcile at $286,910.79 each. Not a Closing Disclosure.