Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$272,557Cash toward the purchase price.
Closing costs + prepaids$10,198Not just lender fees.
Before credits & paid funds$282,756The complete starting cash picture.
Estimated remaining funds due at closing
$282,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,557.37
Your down payment$272,557.37
Closing costs + prepaids$10,198.37
Total buyer cash needed$282,755.74
Remaining funds due$282,755.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,830.00
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)$339.50
Initial HOA (3 months)$795.00
Prepaid interest, first (10 days)$8.87
Fees + prepaids$10,198.37
Your down payment is the seller’s equity. You take over the $10,443 balance, so the rest of the $283,000 price is paid at closing. A second mortgage can cover part of it. $282,755.74 is due at closing. Uses and sources reconcile at $293,198.37 each. Not a Closing Disclosure.