Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$60,297Cash toward the purchase price.
Closing costs + prepaids$9,407Not just lender fees.
Before credits & paid funds$69,703The complete starting cash picture.
Estimated remaining funds due at closing
$69,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,296.87
Your down payment$60,296.87
Closing costs + prepaids$9,406.56
Total buyer cash needed$69,703.43
Remaining funds due$69,703.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$348.25
Prepaid interest, first (2 days)$84.31
Fees + prepaids$9,406.56
Your down payment is the seller’s equity. You take over the $214,603 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $69,703.43 is due at closing. Uses and sources reconcile at $284,306.56 each. Not a Closing Disclosure.