Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$270,129Cash toward the purchase price.
Closing costs + prepaids$9,665Not just lender fees.
Before credits & paid funds$279,794The complete starting cash picture.
Estimated remaining funds due at closing
$279,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,128.61
Your down payment$270,128.61
Closing costs + prepaids$9,665.38
Total buyer cash needed$279,793.99
Remaining funds due$279,793.99
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)$638.50
Prepaid interest, first (1 days)$1.88
Fees + prepaids$9,665.38
Your down payment is the seller’s equity. You take over the $9,871 balance, so the rest of the $280,000 price is paid at closing. A second mortgage can cover part of it. $279,793.99 is due at closing. Uses and sources reconcile at $289,665.38 each. Not a Closing Disclosure.