Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$55,811Cash toward the purchase price.
Closing costs + prepaids$10,612Not just lender fees.
Before credits & paid funds$66,423The complete starting cash picture.
Estimated remaining funds due at closing
$66,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,810.78
Your down payment$55,810.78
Closing costs + prepaids$10,612.28
Total buyer cash needed$66,423.06
Remaining funds due$66,423.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$675.75
Initial HOA (3 months)$990.00
Prepaid interest, first (4 days)$71.53
Fees + prepaids$10,612.28
Your down payment is the seller’s equity. You take over the $209,189 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $66,423.06 is due at closing. Uses and sources reconcile at $275,612.28 each. Not a Closing Disclosure.