Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,651Cash toward the purchase price.
Closing costs + prepaids$11,310Not just lender fees.
Before credits & paid funds$133,962The complete starting cash picture.
Estimated remaining funds due at closing
$133,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,651.38
Your down payment$122,651.38
Closing costs + prepaids$11,310.40
Total buyer cash needed$133,961.77
Remaining funds due$133,961.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,820.00
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)$2,226.50
Initial HOA (3 months)$6.24
Prepaid interest, first (2 days)$32.66
Fees + prepaids$11,310.40
Your down payment is the seller’s equity. You take over the $159,349 balance, so the rest of the $282,000 price is paid at closing. A second mortgage can cover part of it. $133,961.77 is due at closing. Uses and sources reconcile at $293,310.40 each. Not a Closing Disclosure.