Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,741Cash toward the purchase price.
Closing costs + prepaids$11,478Not just lender fees.
Before credits & paid funds$172,218The complete starting cash picture.
Estimated remaining funds due at closing
$172,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,740.57
Your down payment$160,740.57
Closing costs + prepaids$11,477.60
Total buyer cash needed$172,218.17
Remaining funds due$172,218.17
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)$1,239.00
Initial HOA (3 months)$1,242.00
Prepaid interest, first (2 days)$21.60
Fees + prepaids$11,477.60
Your down payment is the seller’s equity. You take over the $114,259 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $172,218.17 is due at closing. Uses and sources reconcile at $286,477.60 each. Not a Closing Disclosure.