Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$64,423Cash toward the purchase price.
Closing costs + prepaids$9,595Not just lender fees.
Before credits & paid funds$74,018The complete starting cash picture.
Estimated remaining funds due at closing
$74,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,423.05
Your down payment$64,423.05
Closing costs + prepaids$9,594.77
Total buyer cash needed$74,017.82
Remaining funds due$74,017.82
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)$585.50
Prepaid interest, first (2 days)$34.27
Fees + prepaids$9,594.77
Your down payment is the seller’s equity. You take over the $210,577 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $74,017.82 is due at closing. Uses and sources reconcile at $284,594.77 each. Not a Closing Disclosure.