Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$212,757Cash toward the purchase price.
Closing costs + prepaids$9,586Not just lender fees.
Before credits & paid funds$222,343The complete starting cash picture.
Estimated remaining funds due at closing
$222,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,757.27
Your down payment$212,757.27
Closing costs + prepaids$9,585.71
Total buyer cash needed$222,342.98
Remaining funds due$222,342.98
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)$426.25
Prepaid interest, first (26 days)$234.46
Fees + prepaids$9,585.71
Your down payment is the seller’s equity. You take over the $57,243 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $222,342.98 is due at closing. Uses and sources reconcile at $279,585.71 each. Not a Closing Disclosure.