Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,361Cash toward the purchase price.
Closing costs + prepaids$10,658Not just lender fees.
Before credits & paid funds$124,019The complete starting cash picture.
Estimated remaining funds due at closing
$124,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,360.62
Your down payment$113,360.62
Closing costs + prepaids$10,658.11
Total buyer cash needed$124,018.73
Remaining funds due$124,018.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,800.00
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)$128.25
Initial HOA (3 months)$759.00
Prepaid interest, first (31 days)$745.86
Fees + prepaids$10,658.11
Your down payment is the seller’s equity. You take over the $166,639 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $124,018.73 is due at closing. Uses and sources reconcile at $290,658.11 each. Not a Closing Disclosure.