Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$270,279Cash toward the purchase price.
Closing costs + prepaids$9,725Not just lender fees.
Before credits & paid funds$280,004The complete starting cash picture.
Estimated remaining funds due at closing
$280,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,279.00
Your down payment$270,279.00
Closing costs + prepaids$9,724.74
Total buyer cash needed$280,003.74
Remaining funds due$280,003.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$209.75
Prepaid interest, first (29 days)$189.99
Fees + prepaids$9,724.74
Your down payment is the seller’s equity. You take over the $39,721 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $280,003.74 is due at closing. Uses and sources reconcile at $319,724.74 each. Not a Closing Disclosure.