Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$97,392Cash toward the purchase price.
Closing costs + prepaids$10,201Not just lender fees.
Before credits & paid funds$107,593The complete starting cash picture.
Estimated remaining funds due at closing
$107,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,392.14
Your down payment$97,392.14
Closing costs + prepaids$10,201.04
Total buyer cash needed$107,593.18
Remaining funds due$107,593.18
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)$754.50
Initial HOA (3 months)$444.00
Prepaid interest, first (2 days)$27.54
Fees + prepaids$10,201.04
Your down payment is the seller’s equity. You take over the $177,608 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $107,593.18 is due at closing. Uses and sources reconcile at $285,201.04 each. Not a Closing Disclosure.