Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$279,900Cash toward the purchase price.
Closing costs + prepaids$9,998Not just lender fees.
Before credits & paid funds$289,898The complete starting cash picture.
Estimated remaining funds due at closing
$289,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,900.00
Your down payment$279,900.00
Closing costs + prepaids$9,998.24
Total buyer cash needed$289,898.24
Remaining funds due$289,898.24
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)$953.00
Initial HOA (3 months)$21.24
Prepaid interest, first (28 days)$0.00
Fees + prepaids$9,998.24
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $289,898.24 is due at closing. Uses and sources reconcile at $289,898.24 each. Not a Closing Disclosure.