Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,636Cash toward the purchase price.
Closing costs + prepaids$10,183Not just lender fees.
Before credits & paid funds$48,819The complete starting cash picture.
Estimated remaining funds due at closing
$48,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,635.54
Your down payment$38,635.54
Closing costs + prepaids$10,183.01
Total buyer cash needed$48,818.55
Remaining funds due$48,818.55
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)$346.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$606.26
Fees + prepaids$10,183.01
Your down payment is the seller’s equity. You take over the $236,364 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $48,818.55 is due at closing. Uses and sources reconcile at $285,183.01 each. Not a Closing Disclosure.