Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,551Cash toward the purchase price.
Closing costs + prepaids$10,780Not just lender fees.
Before credits & paid funds$108,331The complete starting cash picture.
Estimated remaining funds due at closing
$108,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,550.80
Your down payment$97,550.80
Closing costs + prepaids$10,780.46
Total buyer cash needed$108,331.26
Remaining funds due$108,331.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$1,307.75
Initial HOA (3 months)$24.75
Prepaid interest, first (23 days)$423.06
Fees + prepaids$10,780.46
Your down payment is the seller’s equity. You take over the $182,439 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $108,331.26 is due at closing. Uses and sources reconcile at $290,770.46 each. Not a Closing Disclosure.