Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$172,081Cash toward the purchase price.
Closing costs + prepaids$9,796Not just lender fees.
Before credits & paid funds$181,877The complete starting cash picture.
Estimated remaining funds due at closing
$181,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,080.77
Your down payment$172,080.77
Closing costs + prepaids$9,796.21
Total buyer cash needed$181,876.98
Remaining funds due$181,876.98
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)$714.00
Prepaid interest, first (5 days)$57.21
Fees + prepaids$9,796.21
Your down payment is the seller’s equity. You take over the $107,919 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $181,876.98 is due at closing. Uses and sources reconcile at $289,796.21 each. Not a Closing Disclosure.