Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$21,986Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$32,792The complete starting cash picture.
Estimated remaining funds due at closing
$32,792No 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$10,806.85
Total buyer cash needed$32,792.38
Remaining funds due$32,792.38
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 (18 days)$857.60
Fees + prepaids$10,806.85
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. $32,792.38 is due at closing. Uses and sources reconcile at $290,806.85 each. Not a Closing Disclosure.