Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$276,819Cash toward the purchase price.
Closing costs + prepaids$10,242Not just lender fees.
Before credits & paid funds$287,061The complete starting cash picture.
Estimated remaining funds due at closing
$287,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,819.43
Your down payment$276,819.43
Closing costs + prepaids$10,241.60
Total buyer cash needed$287,061.04
Remaining funds due$287,061.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$864.00
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$2.60
Fees + prepaids$10,241.60
Your down payment is the seller’s equity. You take over the $8,181 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $287,061.04 is due at closing. Uses and sources reconcile at $295,241.60 each. Not a Closing Disclosure.