Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$279,233Cash toward the purchase price.
Closing costs + prepaids$9,861Not just lender fees.
Before credits & paid funds$289,094The complete starting cash picture.
Estimated remaining funds due at closing
$289,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,232.55
Your down payment$279,232.55
Closing costs + prepaids$9,861.03
Total buyer cash needed$289,093.57
Remaining funds due$289,093.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.90
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)$635.50
Initial HOA (3 months)$77.49
Prepaid interest, first (25 days)$23.14
Fees + prepaids$9,861.03
Your down payment is the seller’s equity. You take over the $10,757 balance, so the rest of the $289,990 price is paid at closing. A second mortgage can cover part of it. $289,093.57 is due at closing. Uses and sources reconcile at $299,851.03 each. Not a Closing Disclosure.