Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$53,262Cash toward the purchase price.
Closing costs + prepaids$10,177Not just lender fees.
Before credits & paid funds$63,439The complete starting cash picture.
Estimated remaining funds due at closing
$63,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,261.93
Your down payment$53,261.93
Closing costs + prepaids$10,176.95
Total buyer cash needed$63,438.87
Remaining funds due$63,438.87
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)$403.25
Initial HOA (3 months)$45.00
Prepaid interest, first (24 days)$703.70
Fees + prepaids$10,176.95
Your down payment is the seller’s equity. You take over the $226,738 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $63,438.87 is due at closing. Uses and sources reconcile at $290,176.95 each. Not a Closing Disclosure.