Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,411Cash toward the purchase price.
Closing costs + prepaids$10,891Not just lender fees.
Before credits & paid funds$66,302The complete starting cash picture.
Estimated remaining funds due at closing
$66,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,411.31
Your down payment$55,411.31
Closing costs + prepaids$10,890.83
Total buyer cash needed$66,302.14
Remaining funds due$66,302.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$617.75
Initial HOA (3 months)$279.00
Prepaid interest, first (24 days)$1,074.08
Fees + prepaids$10,890.83
Your down payment is the seller’s equity. You take over the $214,089 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $66,302.14 is due at closing. Uses and sources reconcile at $280,390.83 each. Not a Closing Disclosure.