Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,999Cash toward the purchase price.
Closing costs + prepaids$10,764Not just lender fees.
Before credits & paid funds$133,763The complete starting cash picture.
Estimated remaining funds due at closing
$133,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,998.65
Your down payment$122,998.65
Closing costs + prepaids$10,763.92
Total buyer cash needed$133,762.57
Remaining funds due$133,762.57
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)$1,190.75
Prepaid interest, first (27 days)$548.17
Fees + prepaids$10,763.92
Your down payment is the seller’s equity. You take over the $157,001 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $133,762.57 is due at closing. Uses and sources reconcile at $290,763.92 each. Not a Closing Disclosure.