Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$272,522Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$282,634The complete starting cash picture.
Estimated remaining funds due at closing
$282,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,521.94
Your down payment$272,521.94
Closing costs + prepaids$10,111.89
Total buyer cash needed$282,633.83
Remaining funds due$282,633.83
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)$261.00
Initial HOA (3 months)$795.00
Prepaid interest, first (1 days)$0.89
Fees + prepaids$10,111.89
Your down payment is the seller’s equity. You take over the $10,478 balance, so the rest of the $283,000 price is paid at closing. A second mortgage can cover part of it. $282,633.83 is due at closing. Uses and sources reconcile at $293,111.89 each. Not a Closing Disclosure.