Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$192,250Cash toward the purchase price.
Closing costs + prepaids$10,026Not just lender fees.
Before credits & paid funds$202,276The complete starting cash picture.
Estimated remaining funds due at closing
$202,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,250.23
Your down payment$192,250.23
Closing costs + prepaids$10,025.60
Total buyer cash needed$202,275.84
Remaining funds due$202,275.84
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)$719.50
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$31.10
Fees + prepaids$10,025.60
Your down payment is the seller’s equity. You take over the $82,750 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $202,275.84 is due at closing. Uses and sources reconcile at $285,025.60 each. Not a Closing Disclosure.