Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$36,033Cash toward the purchase price.
Closing costs + prepaids$11,146Not just lender fees.
Before credits & paid funds$47,180The complete starting cash picture.
Estimated remaining funds due at closing
$47,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,033.31
Your down payment$36,033.31
Closing costs + prepaids$11,146.28
Total buyer cash needed$47,179.60
Remaining funds due$47,179.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,785.00
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)$838.75
Initial HOA (3 months)$609.99
Prepaid interest, first (23 days)$687.54
Fees + prepaids$11,146.28
Your down payment is the seller’s equity. You take over the $242,467 balance, so the rest of the $278,500 price is paid at closing. A second mortgage can cover part of it. $47,179.60 is due at closing. Uses and sources reconcile at $289,646.28 each. Not a Closing Disclosure.