Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,172Cash toward the purchase price.
Closing costs + prepaids$10,375Not just lender fees.
Before credits & paid funds$140,547The complete starting cash picture.
Estimated remaining funds due at closing
$140,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,171.85
Your down payment$130,171.85
Closing costs + prepaids$10,374.66
Total buyer cash needed$140,546.51
Remaining funds due$140,546.51
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)$981.25
Prepaid interest, first (25 days)$368.41
Fees + prepaids$10,374.66
Your down payment is the seller’s equity. You take over the $149,828 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $140,546.51 is due at closing. Uses and sources reconcile at $290,374.66 each. Not a Closing Disclosure.