Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$22,931Cash toward the purchase price.
Closing costs + prepaids$11,161Not just lender fees.
Before credits & paid funds$34,092The complete starting cash picture.
Estimated remaining funds due at closing
$34,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,931.01
Your down payment$22,931.01
Closing costs + prepaids$11,161.12
Total buyer cash needed$34,092.13
Remaining funds due$34,092.13
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)$790.75
Initial HOA (3 months)$465.00
Prepaid interest, first (25 days)$880.37
Fees + prepaids$11,161.12
Your down payment is the seller’s equity. You take over the $257,069 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $34,092.13 is due at closing. Uses and sources reconcile at $291,161.12 each. Not a Closing Disclosure.