Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,734Cash toward the purchase price.
Closing costs + prepaids$10,301Not just lender fees.
Before credits & paid funds$177,035The complete starting cash picture.
Estimated remaining funds due at closing
$177,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,733.55
Your down payment$166,733.55
Closing costs + prepaids$10,301.14
Total buyer cash needed$177,034.69
Remaining funds due$177,034.69
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)$131.75
Initial HOA (3 months)$795.00
Prepaid interest, first (27 days)$349.39
Fees + prepaids$10,301.14
Your down payment is the seller’s equity. You take over the $113,266 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $177,034.69 is due at closing. Uses and sources reconcile at $290,301.14 each. Not a Closing Disclosure.