Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,009Cash toward the purchase price.
Closing costs + prepaids$10,249Not just lender fees.
Before credits & paid funds$84,258The complete starting cash picture.
Estimated remaining funds due at closing
$84,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,008.66
Your down payment$74,008.66
Closing costs + prepaids$10,249.11
Total buyer cash needed$84,257.76
Remaining funds due$84,257.76
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)$341.25
Prepaid interest, first (26 days)$982.86
Fees + prepaids$10,249.11
Your down payment is the seller’s equity. You take over the $195,991 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $84,257.76 is due at closing. Uses and sources reconcile at $280,249.11 each. Not a Closing Disclosure.