Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$188,798Cash toward the purchase price.
Closing costs + prepaids$9,292Not just lender fees.
Before credits & paid funds$198,091The complete starting cash picture.
Estimated remaining funds due at closing
$198,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,798.35
Your down payment$188,798.35
Closing costs + prepaids$9,292.49
Total buyer cash needed$198,090.84
Remaining funds due$198,090.84
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)$249.25
Prepaid interest, first (2 days)$18.24
Fees + prepaids$9,292.49
Your down payment is the seller’s equity. You take over the $91,202 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $198,090.84 is due at closing. Uses and sources reconcile at $289,292.49 each. Not a Closing Disclosure.