Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$5,645Cash toward the purchase price.
Closing costs + prepaids$9,368Not just lender fees.
Before credits & paid funds$15,013The complete starting cash picture.
Estimated remaining funds due at closing
$15,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,644.60
Your down payment$5,644.60
Closing costs + prepaids$9,368.18
Total buyer cash needed$15,012.78
Remaining funds due$15,012.78
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)$372.00
Prepaid interest, first (1 days)$21.18
Fees + prepaids$9,368.18
Your down payment is the seller’s equity. You take over the $269,355 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $15,012.78 is due at closing. Uses and sources reconcile at $284,368.18 each. Not a Closing Disclosure.