Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$116,680Cash toward the purchase price.
Closing costs + prepaids$10,479Not just lender fees.
Before credits & paid funds$127,159The complete starting cash picture.
Estimated remaining funds due at closing
$127,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,680.23
Your down payment$116,680.23
Closing costs + prepaids$10,478.61
Total buyer cash needed$127,158.84
Remaining funds due$127,158.84
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)$690.50
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$463.11
Fees + prepaids$10,478.61
Your down payment is the seller’s equity. You take over the $163,320 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $127,158.84 is due at closing. Uses and sources reconcile at $290,478.61 each. Not a Closing Disclosure.