Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,911Cash toward the purchase price.
Closing costs + prepaids$9,883Not just lender fees.
Before credits & paid funds$45,794The complete starting cash picture.
Estimated remaining funds due at closing
$45,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,910.94
Your down payment$35,910.94
Closing costs + prepaids$9,883.50
Total buyer cash needed$45,794.44
Remaining funds due$45,794.44
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)$199.25
Initial HOA (3 months)$750.00
Prepaid interest, first (2 days)$59.25
Fees + prepaids$9,883.50
Your down payment is the seller’s equity. You take over the $229,089 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $45,794.44 is due at closing. Uses and sources reconcile at $274,883.50 each. Not a Closing Disclosure.