Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$201,197Cash toward the purchase price.
Closing costs + prepaids$9,535Not just lender fees.
Before credits & paid funds$210,732The complete starting cash picture.
Estimated remaining funds due at closing
$210,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,196.86
Your down payment$201,196.86
Closing costs + prepaids$9,534.94
Total buyer cash needed$210,731.80
Remaining funds due$210,731.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$272.00
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$6.94
Fees + prepaids$9,534.94
Your down payment is the seller’s equity. You take over the $68,303 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $210,731.80 is due at closing. Uses and sources reconcile at $279,034.94 each. Not a Closing Disclosure.