Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,587Cash toward the purchase price.
Closing costs + prepaids$11,097Not just lender fees.
Before credits & paid funds$111,683The complete starting cash picture.
Estimated remaining funds due at closing
$111,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,586.56
Your down payment$100,586.56
Closing costs + prepaids$11,096.72
Total buyer cash needed$111,683.27
Remaining funds due$111,683.27
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)$1,532.25
Initial HOA (3 months)$32.49
Prepaid interest, first (27 days)$506.98
Fees + prepaids$11,096.72
Your down payment is the seller’s equity. You take over the $179,413 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $111,683.27 is due at closing. Uses and sources reconcile at $291,096.72 each. Not a Closing Disclosure.