Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$7,696Cash toward the purchase price.
Closing costs + prepaids$11,633Not just lender fees.
Before credits & paid funds$19,329The complete starting cash picture.
Estimated remaining funds due at closing
$19,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,696.00
Your down payment$7,696.00
Closing costs + prepaids$11,633.29
Total buyer cash needed$19,329.29
Remaining funds due$19,329.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$624.00
Initial HOA (3 months)$1,383.00
Prepaid interest, first (26 days)$601.30
Fees + prepaids$11,633.29
Your down payment is the seller’s equity. You take over the $272,303 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $19,329.29 is due at closing. Uses and sources reconcile at $291,632.29 each. Not a Closing Disclosure.