Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$137,231Cash toward the purchase price.
Closing costs + prepaids$9,893Not just lender fees.
Before credits & paid funds$147,124The complete starting cash picture.
Estimated remaining funds due at closing
$147,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,230.75
Your down payment$137,230.75
Closing costs + prepaids$9,892.77
Total buyer cash needed$147,123.52
Remaining funds due$147,123.52
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)$314.50
Initial HOA (3 months)$330.00
Prepaid interest, first (20 days)$273.27
Fees + prepaids$9,892.77
Your down payment is the seller’s equity. You take over the $137,769 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $147,123.52 is due at closing. Uses and sources reconcile at $284,892.77 each. Not a Closing Disclosure.