Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$151,931Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$162,093The complete starting cash picture.
Estimated remaining funds due at closing
$162,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,931.18
Your down payment$151,931.18
Closing costs + prepaids$10,161.57
Total buyer cash needed$162,092.76
Remaining funds due$162,092.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$706.75
Initial HOA (3 months)$87.51
Prepaid interest, first (22 days)$352.31
Fees + prepaids$10,161.57
Your down payment is the seller’s equity. You take over the $127,069 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $162,092.76 is due at closing. Uses and sources reconcile at $289,161.57 each. Not a Closing Disclosure.