Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$17,960Cash toward the purchase price.
Closing costs + prepaids$11,440Not just lender fees.
Before credits & paid funds$29,399The complete starting cash picture.
Estimated remaining funds due at closing
$29,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,959.64
Your down payment$17,959.64
Closing costs + prepaids$11,439.76
Total buyer cash needed$29,399.40
Remaining funds due$29,399.40
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)$1,007.00
Initial HOA (3 months)$8.25
Prepaid interest, first (27 days)$1,399.51
Fees + prepaids$11,439.76
Your down payment is the seller’s equity. You take over the $262,040 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $29,399.40 is due at closing. Uses and sources reconcile at $291,439.76 each. Not a Closing Disclosure.