Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,793Cash toward the purchase price.
Closing costs + prepaids$10,034Not just lender fees.
Before credits & paid funds$53,827The complete starting cash picture.
Estimated remaining funds due at closing
$53,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,793.18
Your down payment$43,793.18
Closing costs + prepaids$10,033.53
Total buyer cash needed$53,826.70
Remaining funds due$53,826.70
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)$300.50
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$593.03
Fees + prepaids$10,033.53
Your down payment is the seller’s equity. You take over the $231,207 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $53,826.70 is due at closing. Uses and sources reconcile at $285,033.53 each. Not a Closing Disclosure.