Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,049Cash toward the purchase price.
Closing costs + prepaids$9,700Not just lender fees.
Before credits & paid funds$103,748The complete starting cash picture.
Estimated remaining funds due at closing
$103,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,048.77
Your down payment$94,048.77
Closing costs + prepaids$9,699.64
Total buyer cash needed$103,748.41
Remaining funds due$103,748.41
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)$238.75
Prepaid interest, first (23 days)$435.89
Fees + prepaids$9,699.64
Your down payment is the seller’s equity. You take over the $185,951 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $103,748.41 is due at closing. Uses and sources reconcile at $289,699.64 each. Not a Closing Disclosure.