Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,778Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$74,506The complete starting cash picture.
Estimated remaining funds due at closing
$74,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,778.13
Your down payment$63,778.13
Closing costs + prepaids$10,728.14
Total buyer cash needed$74,506.26
Remaining funds due$74,506.26
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)$222.00
Initial HOA (3 months)$330.99
Prepaid interest, first (31 days)$1,200.15
Fees + prepaids$10,728.14
Your down payment is the seller’s equity. You take over the $211,222 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $74,506.26 is due at closing. Uses and sources reconcile at $285,728.14 each. Not a Closing Disclosure.