Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,925Cash toward the purchase price.
Closing costs + prepaids$10,596Not just lender fees.
Before credits & paid funds$102,521The complete starting cash picture.
Estimated remaining funds due at closing
$102,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,924.65
Your down payment$91,924.65
Closing costs + prepaids$10,596.44
Total buyer cash needed$102,521.09
Remaining funds due$102,521.09
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)$658.25
Initial HOA (3 months)$546.99
Prepaid interest, first (23 days)$367.20
Fees + prepaids$10,596.44
Your down payment is the seller’s equity. You take over the $187,975 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $102,521.09 is due at closing. Uses and sources reconcile at $290,496.44 each. Not a Closing Disclosure.