Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,986Cash toward the purchase price.
Closing costs + prepaids$11,283Not just lender fees.
Before credits & paid funds$33,269The complete starting cash picture.
Estimated remaining funds due at closing
$33,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,985.53
Your down payment$21,985.53
Closing costs + prepaids$11,283.29
Total buyer cash needed$33,268.82
Remaining funds due$33,268.82
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)$474.25
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$1,334.04
Fees + prepaids$11,283.29
Your down payment is the seller’s equity. You take over the $258,014 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $33,268.82 is due at closing. Uses and sources reconcile at $291,283.29 each. Not a Closing Disclosure.