Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,470Cash toward the purchase price.
Closing costs + prepaids$10,920Not just lender fees.
Before credits & paid funds$106,390The complete starting cash picture.
Estimated remaining funds due at closing
$106,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,469.70
Your down payment$95,469.70
Closing costs + prepaids$10,920.15
Total buyer cash needed$106,389.85
Remaining funds due$106,389.85
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)$456.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (24 days)$359.15
Fees + prepaids$10,920.15
Your down payment is the seller’s equity. You take over the $184,530 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $106,389.85 is due at closing. Uses and sources reconcile at $290,920.15 each. Not a Closing Disclosure.