Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$3,790Cash toward the purchase price.
Closing costs + prepaids$12,402Not just lender fees.
Before credits & paid funds$16,192The complete starting cash picture.
Estimated remaining funds due at closing
$16,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,790.06
Your down payment$3,790.06
Closing costs + prepaids$12,402.43
Total buyer cash needed$16,192.49
Remaining funds due$16,192.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$1,123.00
Initial HOA (3 months)$813.00
Prepaid interest, first (28 days)$1,442.43
Fees + prepaids$12,402.43
Your down payment is the seller’s equity. You take over the $276,110 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $16,192.49 is due at closing. Uses and sources reconcile at $292,302.43 each. Not a Closing Disclosure.