Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,737Cash toward the purchase price.
Closing costs + prepaids$9,493Not just lender fees.
Before credits & paid funds$61,230The complete starting cash picture.
Estimated remaining funds due at closing
$61,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,736.86
Your down payment$51,736.86
Closing costs + prepaids$9,493.40
Total buyer cash needed$61,230.26
Remaining funds due$61,230.26
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)$211.00
Initial HOA (3 months)$219.00
Prepaid interest, first (2 days)$38.40
Fees + prepaids$9,493.40
Your down payment is the seller’s equity. You take over the $228,263 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $61,230.26 is due at closing. Uses and sources reconcile at $289,493.40 each. Not a Closing Disclosure.