Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,380Cash toward the purchase price.
Closing costs + prepaids$9,749Not just lender fees.
Before credits & paid funds$150,129The complete starting cash picture.
Estimated remaining funds due at closing
$150,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,379.51
Your down payment$140,379.51
Closing costs + prepaids$9,749.14
Total buyer cash needed$150,128.65
Remaining funds due$150,128.65
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)$338.75
Prepaid interest, first (31 days)$385.39
Fees + prepaids$9,749.14
Your down payment is the seller’s equity. You take over the $139,620 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $150,128.65 is due at closing. Uses and sources reconcile at $289,749.14 each. Not a Closing Disclosure.