Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$283,065Cash toward the purchase price.
Closing costs + prepaids$11,423Not just lender fees.
Before credits & paid funds$294,488The complete starting cash picture.
Estimated remaining funds due at closing
$294,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,064.83
Your down payment$283,064.83
Closing costs + prepaids$11,423.45
Total buyer cash needed$294,488.28
Remaining funds due$294,488.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$451.50
Initial HOA (3 months)$1,830.00
Prepaid interest, first (25 days)$26.95
Fees + prepaids$11,423.45
Your down payment is the seller’s equity. You take over the $5,935 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $294,488.28 is due at closing. Uses and sources reconcile at $300,423.45 each. Not a Closing Disclosure.