Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,546Cash toward the purchase price.
Closing costs + prepaids$11,118Not just lender fees.
Before credits & paid funds$108,664The complete starting cash picture.
Estimated remaining funds due at closing
$108,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,546.26
Your down payment$97,546.26
Closing costs + prepaids$11,117.55
Total buyer cash needed$108,663.81
Remaining funds due$108,663.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$1,731.00
Initial HOA (3 months)$38.49
Prepaid interest, first (23 days)$323.07
Fees + prepaids$11,117.55
Your down payment is the seller’s equity. You take over the $182,453 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $108,663.81 is due at closing. Uses and sources reconcile at $291,116.55 each. Not a Closing Disclosure.