Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,600Cash toward the purchase price.
Closing costs + prepaids$11,562Not just lender fees.
Before credits & paid funds$57,162The complete starting cash picture.
Estimated remaining funds due at closing
$57,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,599.85
Your down payment$45,599.85
Closing costs + prepaids$11,561.68
Total buyer cash needed$57,161.53
Remaining funds due$57,161.53
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)$1,877.00
Initial HOA (3 months)$618.00
Prepaid interest, first (1 days)$41.68
Fees + prepaids$11,561.68
Your down payment is the seller’s equity. You take over the $234,400 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $57,161.53 is due at closing. Uses and sources reconcile at $291,561.68 each. Not a Closing Disclosure.