Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$113,361Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$123,778The complete starting cash picture.
Estimated remaining funds due at closing
$123,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,360.62
Your down payment$113,360.62
Closing costs + prepaids$10,417.51
Total buyer cash needed$123,778.13
Remaining funds due$123,778.13
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)$128.25
Initial HOA (3 months)$759.00
Prepaid interest, first (21 days)$505.26
Fees + prepaids$10,417.51
Your down payment is the seller’s equity. You take over the $166,639 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $123,778.13 is due at closing. Uses and sources reconcile at $290,417.51 each. Not a Closing Disclosure.