Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$92,525Cash toward the purchase price.
Closing costs + prepaids$10,975Not just lender fees.
Before credits & paid funds$103,499The complete starting cash picture.
Estimated remaining funds due at closing
$103,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,524.51
Your down payment$92,524.51
Closing costs + prepaids$10,974.81
Total buyer cash needed$103,499.31
Remaining funds due$103,499.31
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)$1,578.75
Initial HOA (3 months)$36.51
Prepaid interest, first (24 days)$344.55
Fees + prepaids$10,974.81
Your down payment is the seller’s equity. You take over the $186,475 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $103,499.31 is due at closing. Uses and sources reconcile at $289,974.81 each. Not a Closing Disclosure.