Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$270,184Cash toward the purchase price.
Closing costs + prepaids$9,146Not just lender fees.
Before credits & paid funds$279,330The complete starting cash picture.
Estimated remaining funds due at closing
$279,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,183.77
Your down payment$270,183.77
Closing costs + prepaids$9,146.21
Total buyer cash needed$279,329.97
Remaining funds due$279,329.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$151.00
Prepaid interest, first (26 days)$20.21
Fees + prepaids$9,146.21
Your down payment is the seller’s equity. You take over the $4,816 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $279,329.97 is due at closing. Uses and sources reconcile at $284,146.21 each. Not a Closing Disclosure.