Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$94,398Cash toward the purchase price.
Closing costs + prepaids$9,650Not just lender fees.
Before credits & paid funds$104,048The complete starting cash picture.
Estimated remaining funds due at closing
$104,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,397.89
Your down payment$94,397.89
Closing costs + prepaids$9,649.77
Total buyer cash needed$104,047.66
Remaining funds due$104,047.66
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)$330.00
Initial HOA (3 months)$180.00
Prepaid interest, first (10 days)$164.77
Fees + prepaids$9,649.77
Your down payment is the seller’s equity. You take over the $180,602 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $104,047.66 is due at closing. Uses and sources reconcile at $284,649.77 each. Not a Closing Disclosure.