Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$208,362Cash toward the purchase price.
Closing costs + prepaids$9,329Not just lender fees.
Before credits & paid funds$217,691The complete starting cash picture.
Estimated remaining funds due at closing
$217,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,361.79
Your down payment$208,361.79
Closing costs + prepaids$9,329.44
Total buyer cash needed$217,691.23
Remaining funds due$217,691.23
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)$102.75
Prepaid interest, first (28 days)$201.69
Fees + prepaids$9,329.44
Your down payment is the seller’s equity. You take over the $71,638 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $217,691.23 is due at closing. Uses and sources reconcile at $289,329.44 each. Not a Closing Disclosure.