Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$239,965Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$250,593The complete starting cash picture.
Estimated remaining funds due at closing
$250,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,965.15
Your down payment$239,965.15
Closing costs + prepaids$10,627.46
Total buyer cash needed$250,592.61
Remaining funds due$250,592.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,820.00
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)$1,023.75
Initial HOA (3 months)$363.00
Prepaid interest, first (29 days)$195.71
Fees + prepaids$10,627.46
Your down payment is the seller’s equity. You take over the $42,035 balance, so the rest of the $282,000 price is paid at closing. A second mortgage can cover part of it. $250,592.61 is due at closing. Uses and sources reconcile at $292,627.46 each. Not a Closing Disclosure.