Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,451Cash toward the purchase price.
Closing costs + prepaids$11,315Not just lender fees.
Before credits & paid funds$128,766The complete starting cash picture.
Estimated remaining funds due at closing
$128,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,451.06
Your down payment$117,451.06
Closing costs + prepaids$11,314.97
Total buyer cash needed$128,766.03
Remaining funds due$128,766.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,789.00
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)$1,442.50
Initial HOA (3 months)$540.00
Prepaid interest, first (24 days)$318.47
Fees + prepaids$11,314.97
Your down payment is the seller’s equity. You take over the $161,449 balance, so the rest of the $278,900 price is paid at closing. A second mortgage can cover part of it. $128,766.03 is due at closing. Uses and sources reconcile at $290,214.97 each. Not a Closing Disclosure.