Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$126,029Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$136,648The complete starting cash picture.
Estimated remaining funds due at closing
$136,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,029.29
Your down payment$126,029.29
Closing costs + prepaids$10,618.82
Total buyer cash needed$136,648.11
Remaining funds due$136,648.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$1,297.50
Prepaid interest, first (30 days)$397.32
Fees + prepaids$10,618.82
Your down payment is the seller’s equity. You take over the $143,871 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $136,648.11 is due at closing. Uses and sources reconcile at $280,518.82 each. Not a Closing Disclosure.