Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$74,832Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$85,571The complete starting cash picture.
Estimated remaining funds due at closing
$85,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,832.11
Your down payment$74,832.11
Closing costs + prepaids$10,738.85
Total buyer cash needed$85,570.96
Remaining funds due$85,570.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.90
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)$917.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$596.70
Fees + prepaids$10,738.85
Your down payment is the seller’s equity. You take over the $195,158 balance, so the rest of the $269,990 price is paid at closing. A second mortgage can cover part of it. $85,570.96 is due at closing. Uses and sources reconcile at $280,728.85 each. Not a Closing Disclosure.