Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,509Cash toward the purchase price.
Closing costs + prepaids$9,829Not just lender fees.
Before credits & paid funds$69,338The complete starting cash picture.
Estimated remaining funds due at closing
$69,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,509.10
Your down payment$59,509.10
Closing costs + prepaids$9,828.67
Total buyer cash needed$69,337.77
Remaining funds due$69,337.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,730.00
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)$288.00
Prepaid interest, first (31 days)$585.67
Fees + prepaids$9,828.67
Your down payment is the seller’s equity. You take over the $213,491 balance, so the rest of the $273,000 price is paid at closing. A second mortgage can cover part of it. $69,337.77 is due at closing. Uses and sources reconcile at $282,828.67 each. Not a Closing Disclosure.