Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$189,134Cash toward the purchase price.
Closing costs + prepaids$9,760Not just lender fees.
Before credits & paid funds$198,894The complete starting cash picture.
Estimated remaining funds due at closing
$198,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,133.78
Your down payment$189,133.78
Closing costs + prepaids$9,760.29
Total buyer cash needed$198,894.07
Remaining funds due$198,894.07
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)$387.25
Initial HOA (3 months)$87.51
Prepaid interest, first (30 days)$310.53
Fees + prepaids$9,760.29
Your down payment is the seller’s equity. You take over the $85,866 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $198,894.07 is due at closing. Uses and sources reconcile at $284,760.29 each. Not a Closing Disclosure.