Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,418Cash toward the purchase price.
Closing costs + prepaids$10,495Not just lender fees.
Before credits & paid funds$45,913The complete starting cash picture.
Estimated remaining funds due at closing
$45,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,417.74
Your down payment$35,417.74
Closing costs + prepaids$10,494.77
Total buyer cash needed$45,912.51
Remaining funds due$45,912.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$274.75
Prepaid interest, first (31 days)$1,295.02
Fees + prepaids$10,494.77
Your down payment is the seller’s equity. You take over the $234,582 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $45,912.51 is due at closing. Uses and sources reconcile at $280,494.77 each. Not a Closing Disclosure.