Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$42,289Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$53,083The complete starting cash picture.
Estimated remaining funds due at closing
$53,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,289.03
Your down payment$42,289.03
Closing costs + prepaids$10,793.74
Total buyer cash needed$53,082.77
Remaining funds due$53,082.77
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
Initial HOA (3 months)$810.00
Prepaid interest, first (13 days)$608.74
Fees + prepaids$10,793.74
Your down payment is the seller’s equity. You take over the $237,711 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $53,082.77 is due at closing. Uses and sources reconcile at $290,793.74 each. Not a Closing Disclosure.