Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$241,796Cash toward the purchase price.
Closing costs + prepaids$10,113Not just lender fees.
Before credits & paid funds$251,909The complete starting cash picture.
Estimated remaining funds due at closing
$251,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,796.05
Your down payment$241,796.05
Closing costs + prepaids$10,112.76
Total buyer cash needed$251,908.80
Remaining funds due$251,908.80
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)$1,013.50
Prepaid interest, first (29 days)$124.26
Fees + prepaids$10,112.76
Your down payment is the seller’s equity. You take over the $33,204 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $251,908.80 is due at closing. Uses and sources reconcile at $285,112.76 each. Not a Closing Disclosure.