Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$106,538Cash toward the purchase price.
Closing costs + prepaids$9,412Not just lender fees.
Before credits & paid funds$115,949The complete starting cash picture.
Estimated remaining funds due at closing
$115,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,537.70
Your down payment$106,537.70
Closing costs + prepaids$9,411.51
Total buyer cash needed$115,949.21
Remaining funds due$115,949.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$116.75
Prepaid interest, first (27 days)$379.76
Fees + prepaids$9,411.51
Your down payment is the seller’s equity. You take over the $162,462 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $115,949.21 is due at closing. Uses and sources reconcile at $278,411.51 each. Not a Closing Disclosure.