Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,433Cash toward the purchase price.
Closing costs + prepaids$9,929Not just lender fees.
Before credits & paid funds$154,362The complete starting cash picture.
Estimated remaining funds due at closing
$154,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,433.03
Your down payment$144,433.03
Closing costs + prepaids$9,928.89
Total buyer cash needed$154,361.91
Remaining funds due$154,361.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$177.25
Initial HOA (3 months)$714.00
Prepaid interest, first (2 days)$22.64
Fees + prepaids$9,928.89
Your down payment is the seller’s equity. You take over the $134,567 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $154,361.91 is due at closing. Uses and sources reconcile at $288,928.89 each. Not a Closing Disclosure.