Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$11,078Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$21,759The complete starting cash picture.
Estimated remaining funds due at closing
$21,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,077.81
Your down payment$11,077.81
Closing costs + prepaids$10,681.17
Total buyer cash needed$21,758.98
Remaining funds due$21,758.98
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)$411.00
Prepaid interest, first (18 days)$896.17
Fees + prepaids$10,681.17
Your down payment is the seller’s equity. You take over the $268,822 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $21,758.98 is due at closing. Uses and sources reconcile at $290,581.17 each. Not a Closing Disclosure.