Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,831Cash toward the purchase price.
Closing costs + prepaids$9,644Not just lender fees.
Before credits & paid funds$139,475The complete starting cash picture.
Estimated remaining funds due at closing
$139,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,831.26
Your down payment$129,831.26
Closing costs + prepaids$9,644.16
Total buyer cash needed$139,475.42
Remaining funds due$139,475.42
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)$166.50
Initial HOA (3 months)$134.01
Prepaid interest, first (31 days)$368.65
Fees + prepaids$9,644.16
Your down payment is the seller’s equity. You take over the $145,169 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $139,475.42 is due at closing. Uses and sources reconcile at $284,644.16 each. Not a Closing Disclosure.