Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,737Cash toward the purchase price.
Closing costs + prepaids$9,457Not just lender fees.
Before credits & paid funds$52,193The complete starting cash picture.
Estimated remaining funds due at closing
$52,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,736.56
Your down payment$42,736.56
Closing costs + prepaids$9,456.89
Total buyer cash needed$52,193.45
Remaining funds due$52,193.45
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)$320.50
Initial HOA (3 months)$243.00
Prepaid interest, first (1 days)$18.39
Fees + prepaids$9,456.89
Your down payment is the seller’s equity. You take over the $222,263 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $52,193.45 is due at closing. Uses and sources reconcile at $274,456.89 each. Not a Closing Disclosure.