Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$51,762Cash toward the purchase price.
Closing costs + prepaids$9,918Not just lender fees.
Before credits & paid funds$61,681The complete starting cash picture.
Estimated remaining funds due at closing
$61,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,762.33
Your down payment$51,762.33
Closing costs + prepaids$9,918.21
Total buyer cash needed$61,680.53
Remaining funds due$61,680.53
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 (17 days)$543.21
Fees + prepaids$9,918.21
Your down payment is the seller’s equity. You take over the $228,238 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $61,680.53 is due at closing. Uses and sources reconcile at $289,918.21 each. Not a Closing Disclosure.