Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$109,029Cash toward the purchase price.
Closing costs + prepaids$10,276Not just lender fees.
Before credits & paid funds$119,305The complete starting cash picture.
Estimated remaining funds due at closing
$119,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,028.70
Your down payment$109,028.70
Closing costs + prepaids$10,276.45
Total buyer cash needed$119,305.15
Remaining funds due$119,305.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,840.00
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)$470.00
Initial HOA (3 months)$480.00
Prepaid interest, first (18 days)$261.45
Fees + prepaids$10,276.45
Your down payment is the seller’s equity. You take over the $174,971 balance, so the rest of the $284,000 price is paid at closing. A second mortgage can cover part of it. $119,305.15 is due at closing. Uses and sources reconcile at $294,276.45 each. Not a Closing Disclosure.