Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$114,913Cash toward the purchase price.
Closing costs + prepaids$10,944Not just lender fees.
Before credits & paid funds$125,858The complete starting cash picture.
Estimated remaining funds due at closing
$125,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,913.19
Your down payment$114,913.19
Closing costs + prepaids$10,944.38
Total buyer cash needed$125,857.57
Remaining funds due$125,857.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$1,022.50
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$636.88
Fees + prepaids$10,944.38
Your down payment is the seller’s equity. You take over the $164,087 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $125,857.57 is due at closing. Uses and sources reconcile at $289,944.38 each. Not a Closing Disclosure.