Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,704Cash toward the purchase price.
Closing costs + prepaids$11,450Not just lender fees.
Before credits & paid funds$38,154The complete starting cash picture.
Estimated remaining funds due at closing
$38,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,703.80
Your down payment$26,703.80
Closing costs + prepaids$11,450.06
Total buyer cash needed$38,153.86
Remaining funds due$38,153.86
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)$899.50
Initial HOA (3 months)$51.00
Prepaid interest, first (31 days)$1,574.56
Fees + prepaids$11,450.06
Your down payment is the seller’s equity. You take over the $243,296 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $38,153.86 is due at closing. Uses and sources reconcile at $281,450.06 each. Not a Closing Disclosure.