Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,579Cash toward the purchase price.
Closing costs + prepaids$10,968Not just lender fees.
Before credits & paid funds$65,547The complete starting cash picture.
Estimated remaining funds due at closing
$65,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,578.95
Your down payment$54,578.95
Closing costs + prepaids$10,967.93
Total buyer cash needed$65,546.88
Remaining funds due$65,546.88
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)$704.00
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$939.93
Fees + prepaids$10,967.93
Your down payment is the seller’s equity. You take over the $225,321 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $65,546.88 is due at closing. Uses and sources reconcile at $290,867.93 each. Not a Closing Disclosure.