Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$269,447Cash toward the purchase price.
Closing costs + prepaids$9,902Not just lender fees.
Before credits & paid funds$279,349The complete starting cash picture.
Estimated remaining funds due at closing
$279,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,446.67
Your down payment$269,446.67
Closing costs + prepaids$9,902.34
Total buyer cash needed$279,349.01
Remaining funds due$279,349.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,876.40
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)$719.00
Prepaid interest, first (24 days)$81.94
Fees + prepaids$9,902.34
Your down payment is the seller’s equity. You take over the $18,193 balance, so the rest of the $287,640 price is paid at closing. A second mortgage can cover part of it. $279,349.01 is due at closing. Uses and sources reconcile at $297,542.34 each. Not a Closing Disclosure.