Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$80,576Cash toward the purchase price.
Closing costs + prepaids$9,611Not just lender fees.
Before credits & paid funds$90,187The complete starting cash picture.
Estimated remaining funds due at closing
$90,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,575.93
Your down payment$80,575.93
Closing costs + prepaids$9,611.03
Total buyer cash needed$90,186.96
Remaining funds due$90,186.96
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)$350.00
Prepaid interest, first (15 days)$236.03
Fees + prepaids$9,611.03
Your down payment is the seller’s equity. You take over the $199,424 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $90,186.96 is due at closing. Uses and sources reconcile at $289,611.03 each. Not a Closing Disclosure.