Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,815Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$101,063The complete starting cash picture.
Estimated remaining funds due at closing
$101,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,815.41
Your down payment$90,815.41
Closing costs + prepaids$10,247.59
Total buyer cash needed$101,063.01
Remaining funds due$101,063.01
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)$741.25
Prepaid interest, first (31 days)$581.34
Fees + prepaids$10,247.59
Your down payment is the seller’s equity. You take over the $179,185 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $101,063.01 is due at closing. Uses and sources reconcile at $280,247.59 each. Not a Closing Disclosure.