Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$69,224Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$79,516The complete starting cash picture.
Estimated remaining funds due at closing
$79,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,223.68
Your down payment$69,223.68
Closing costs + prepaids$10,292.12
Total buyer cash needed$79,515.81
Remaining funds due$79,515.81
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)$319.00
Prepaid interest, first (29 days)$1,049.12
Fees + prepaids$10,292.12
Your down payment is the seller’s equity. You take over the $200,676 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $79,515.81 is due at closing. Uses and sources reconcile at $280,192.12 each. Not a Closing Disclosure.