Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,107Cash toward the purchase price.
Closing costs + prepaids$9,633Not just lender fees.
Before credits & paid funds$96,739The complete starting cash picture.
Estimated remaining funds due at closing
$96,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,106.72
Your down payment$87,106.72
Closing costs + prepaids$9,632.68
Total buyer cash needed$96,739.40
Remaining funds due$96,739.40
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)$274.00
Prepaid interest, first (22 days)$333.68
Fees + prepaids$9,632.68
Your down payment is the seller’s equity. You take over the $192,893 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $96,739.40 is due at closing. Uses and sources reconcile at $289,632.68 each. Not a Closing Disclosure.