Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$191,796Cash toward the purchase price.
Closing costs + prepaids$9,420Not just lender fees.
Before credits & paid funds$201,216The complete starting cash picture.
Estimated remaining funds due at closing
$201,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,795.64
Your down payment$191,795.64
Closing costs + prepaids$9,420.09
Total buyer cash needed$201,215.73
Remaining funds due$201,215.73
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)$429.00
Prepaid interest, first (2 days)$16.09
Fees + prepaids$9,420.09
Your down payment is the seller’s equity. You take over the $83,204 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $201,215.73 is due at closing. Uses and sources reconcile at $284,420.09 each. Not a Closing Disclosure.