Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$15,474Cash toward the purchase price.
Closing costs + prepaids$11,677Not just lender fees.
Before credits & paid funds$27,152The complete starting cash picture.
Estimated remaining funds due at closing
$27,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,474.43
Your down payment$15,474.43
Closing costs + prepaids$11,677.42
Total buyer cash needed$27,151.85
Remaining funds due$27,151.85
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)$907.00
Initial HOA (3 months)$249.00
Prepaid interest, first (29 days)$1,496.42
Fees + prepaids$11,677.42
Your down payment is the seller’s equity. You take over the $264,526 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $27,151.85 is due at closing. Uses and sources reconcile at $291,677.42 each. Not a Closing Disclosure.