Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$94,335Cash toward the purchase price.
Closing costs + prepaids$11,385Not just lender fees.
Before credits & paid funds$105,720The complete starting cash picture.
Estimated remaining funds due at closing
$105,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,335.10
Your down payment$94,335.10
Closing costs + prepaids$11,385.25
Total buyer cash needed$105,720.35
Remaining funds due$105,720.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$1,620.25
Initial HOA (3 months)$228.99
Prepaid interest, first (27 days)$512.01
Fees + prepaids$11,385.25
Your down payment is the seller’s equity. You take over the $185,565 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $105,720.35 is due at closing. Uses and sources reconcile at $291,285.25 each. Not a Closing Disclosure.