Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$203,477Cash toward the purchase price.
Closing costs + prepaids$9,944Not just lender fees.
Before credits & paid funds$213,421The complete starting cash picture.
Estimated remaining funds due at closing
$213,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,476.73
Your down payment$203,476.73
Closing costs + prepaids$9,944.32
Total buyer cash needed$213,421.05
Remaining funds due$213,421.05
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)$550.25
Prepaid interest, first (27 days)$369.07
Fees + prepaids$9,944.32
Your down payment is the seller’s equity. You take over the $76,523 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $213,421.05 is due at closing. Uses and sources reconcile at $289,944.32 each. Not a Closing Disclosure.