Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,418Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$45,578The complete starting cash picture.
Estimated remaining funds due at closing
$45,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,417.74
Your down payment$35,417.74
Closing costs + prepaids$10,160.57
Total buyer cash needed$45,578.31
Remaining funds due$45,578.31
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)$274.75
Prepaid interest, first (23 days)$960.82
Fees + prepaids$10,160.57
Your down payment is the seller’s equity. You take over the $234,582 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $45,578.31 is due at closing. Uses and sources reconcile at $280,160.57 each. Not a Closing Disclosure.