Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$149,068Cash toward the purchase price.
Closing costs + prepaids$9,775Not just lender fees.
Before credits & paid funds$158,843The complete starting cash picture.
Estimated remaining funds due at closing
$158,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,068.05
Your down payment$149,068.05
Closing costs + prepaids$9,775.43
Total buyer cash needed$158,843.47
Remaining funds due$158,843.47
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)$515.25
Prepaid interest, first (22 days)$235.18
Fees + prepaids$9,775.43
Your down payment is the seller’s equity. You take over the $130,932 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $158,843.47 is due at closing. Uses and sources reconcile at $289,775.43 each. Not a Closing Disclosure.