Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,526Cash toward the purchase price.
Closing costs + prepaids$9,965Not just lender fees.
Before credits & paid funds$176,491The complete starting cash picture.
Estimated remaining funds due at closing
$176,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,526.09
Your down payment$166,526.09
Closing costs + prepaids$9,964.71
Total buyer cash needed$176,490.81
Remaining funds due$176,490.81
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 (1 days)$12.96
Fees + prepaids$9,964.71
Your down payment is the seller’s equity. You take over the $113,474 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $176,490.81 is due at closing. Uses and sources reconcile at $289,964.71 each. Not a Closing Disclosure.