Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$135,578Cash toward the purchase price.
Closing costs + prepaids$9,428Not just lender fees.
Before credits & paid funds$145,006The complete starting cash picture.
Estimated remaining funds due at closing
$145,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,578.02
Your down payment$135,578.02
Closing costs + prepaids$9,427.61
Total buyer cash needed$145,005.63
Remaining funds due$145,005.63
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
Prepaid interest, first (10 days)$122.61
Fees + prepaids$9,427.61
Your down payment is the seller’s equity. You take over the $139,422 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $145,005.63 is due at closing. Uses and sources reconcile at $284,427.61 each. Not a Closing Disclosure.