Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$117,462Cash toward the purchase price.
Closing costs + prepaids$10,197Not just lender fees.
Before credits & paid funds$127,659The complete starting cash picture.
Estimated remaining funds due at closing
$127,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,461.99
Your down payment$117,461.99
Closing costs + prepaids$10,197.16
Total buyer cash needed$127,659.15
Remaining funds due$127,659.15
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)$579.75
Initial HOA (3 months)$159.99
Prepaid interest, first (26 days)$532.42
Fees + prepaids$10,197.16
Your down payment is the seller’s equity. You take over the $152,538 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $127,659.15 is due at closing. Uses and sources reconcile at $280,197.16 each. Not a Closing Disclosure.