Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$186,381Cash toward the purchase price.
Closing costs + prepaids$12,032Not just lender fees.
Before credits & paid funds$198,413The complete starting cash picture.
Estimated remaining funds due at closing
$198,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,380.76
Your down payment$186,380.76
Closing costs + prepaids$12,032.39
Total buyer cash needed$198,413.15
Remaining funds due$198,413.15
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)$774.50
Initial HOA (3 months)$2,004.00
Prepaid interest, first (23 days)$228.89
Fees + prepaids$12,032.39
Your down payment is the seller’s equity. You take over the $93,619 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $198,413.15 is due at closing. Uses and sources reconcile at $292,032.39 each. Not a Closing Disclosure.