Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,949Cash toward the purchase price.
Closing costs + prepaids$9,978Not just lender fees.
Before credits & paid funds$33,927The complete starting cash picture.
Estimated remaining funds due at closing
$33,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,949.26
Your down payment$23,949.26
Closing costs + prepaids$9,977.94
Total buyer cash needed$33,927.20
Remaining funds due$33,927.20
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)$717.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$35.19
Fees + prepaids$9,977.94
Your down payment is the seller’s equity. You take over the $246,051 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $33,927.20 is due at closing. Uses and sources reconcile at $279,977.94 each. Not a Closing Disclosure.