Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$8,182Cash toward the purchase price.
Closing costs + prepaids$10,984Not just lender fees.
Before credits & paid funds$19,166The complete starting cash picture.
Estimated remaining funds due at closing
$19,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,182.07
Your down payment$8,182.07
Closing costs + prepaids$10,984.20
Total buyer cash needed$19,166.27
Remaining funds due$19,166.27
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)$672.50
Prepaid interest, first (29 days)$1,396.70
Fees + prepaids$10,984.20
Your down payment is the seller’s equity. You take over the $260,818 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $19,166.27 is due at closing. Uses and sources reconcile at $279,984.20 each. Not a Closing Disclosure.