Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,964Cash toward the purchase price.
Closing costs + prepaids$9,797Not just lender fees.
Before credits & paid funds$61,761The complete starting cash picture.
Estimated remaining funds due at closing
$61,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,964.20
Your down payment$51,964.20
Closing costs + prepaids$9,796.87
Total buyer cash needed$61,761.07
Remaining funds due$61,761.07
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)$249.25
Initial HOA (3 months)$504.00
Prepaid interest, first (1 days)$18.62
Fees + prepaids$9,796.87
Your down payment is the seller’s equity. You take over the $228,036 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $61,761.07 is due at closing. Uses and sources reconcile at $289,796.87 each. Not a Closing Disclosure.