Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$280,876Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$291,504The complete starting cash picture.
Estimated remaining funds due at closing
$291,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,875.87
Your down payment$280,875.87
Closing costs + prepaids$10,628.03
Total buyer cash needed$291,503.89
Remaining funds due$291,503.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,869.00
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)$675.75
Initial HOA (3 months)$846.00
Prepaid interest, first (24 days)$12.28
Fees + prepaids$10,628.03
Your down payment is the seller’s equity. You take over the $6,024 balance, so the rest of the $286,900 price is paid at closing. A second mortgage can cover part of it. $291,503.89 is due at closing. Uses and sources reconcile at $297,528.03 each. Not a Closing Disclosure.