Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,769Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$180,705The complete starting cash picture.
Estimated remaining funds due at closing
$180,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,768.51
Your down payment$169,768.51
Closing costs + prepaids$10,936.25
Total buyer cash needed$180,704.76
Remaining funds due$180,704.76
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)$652.75
Initial HOA (3 months)$996.00
Prepaid interest, first (31 days)$412.50
Fees + prepaids$10,936.25
Your down payment is the seller’s equity. You take over the $95,231 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $180,704.76 is due at closing. Uses and sources reconcile at $275,936.25 each. Not a Closing Disclosure.