Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$46,692Cash toward the purchase price.
Closing costs + prepaids$10,372Not just lender fees.
Before credits & paid funds$57,064The complete starting cash picture.
Estimated remaining funds due at closing
$57,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,692.49
Your down payment$46,692.49
Closing costs + prepaids$10,371.82
Total buyer cash needed$57,064.31
Remaining funds due$57,064.31
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)$350.00
Initial HOA (3 months)$510.00
Prepaid interest, first (15 days)$487.82
Fees + prepaids$10,371.82
Your down payment is the seller’s equity. You take over the $233,208 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $57,064.31 is due at closing. Uses and sources reconcile at $290,271.82 each. Not a Closing Disclosure.