Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,612Cash toward the purchase price.
Closing costs + prepaids$10,948Not just lender fees.
Before credits & paid funds$63,560The complete starting cash picture.
Estimated remaining funds due at closing
$63,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,612.21
Your down payment$52,612.21
Closing costs + prepaids$10,948.25
Total buyer cash needed$63,560.46
Remaining funds due$63,560.46
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)$999.50
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$723.75
Fees + prepaids$10,948.25
Your down payment is the seller’s equity. You take over the $217,388 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $63,560.46 is due at closing. Uses and sources reconcile at $280,948.25 each. Not a Closing Disclosure.