Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$207,072Cash toward the purchase price.
Closing costs + prepaids$9,303Not just lender fees.
Before credits & paid funds$216,375The complete starting cash picture.
Estimated remaining funds due at closing
$216,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,072.10
Your down payment$207,072.10
Closing costs + prepaids$9,302.74
Total buyer cash needed$216,374.84
Remaining funds due$216,374.84
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)$110.00
Prepaid interest, first (30 days)$217.74
Fees + prepaids$9,302.74
Your down payment is the seller’s equity. You take over the $67,928 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $216,374.84 is due at closing. Uses and sources reconcile at $284,302.74 each. Not a Closing Disclosure.