Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$261,166Cash toward the purchase price.
Closing costs + prepaids$9,062Not just lender fees.
Before credits & paid funds$270,228The complete starting cash picture.
Estimated remaining funds due at closing
$270,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,166.34
Your down payment$261,166.34
Closing costs + prepaids$9,061.75
Total buyer cash needed$270,228.09
Remaining funds due$270,228.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$136.25
Prepaid interest, first (1 days)$1.50
Fees + prepaids$9,061.75
Your down payment is the seller’s equity. You take over the $8,734 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $270,228.09 is due at closing. Uses and sources reconcile at $278,961.75 each. Not a Closing Disclosure.