Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,588Cash toward the purchase price.
Closing costs + prepaids$10,233Not just lender fees.
Before credits & paid funds$195,821The complete starting cash picture.
Estimated remaining funds due at closing
$195,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,587.59
Your down payment$185,587.59
Closing costs + prepaids$10,233.28
Total buyer cash needed$195,820.87
Remaining funds due$195,820.87
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)$251.25
Initial HOA (3 months)$750.00
Prepaid interest, first (23 days)$207.03
Fees + prepaids$10,233.28
Your down payment is the seller’s equity. You take over the $94,412 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $195,820.87 is due at closing. Uses and sources reconcile at $290,233.28 each. Not a Closing Disclosure.