Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$146,832Cash toward the purchase price.
Closing costs + prepaids$9,852Not just lender fees.
Before credits & paid funds$156,684The complete starting cash picture.
Estimated remaining funds due at closing
$156,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,831.52
Your down payment$146,831.52
Closing costs + prepaids$9,852.27
Total buyer cash needed$156,683.78
Remaining funds due$156,683.78
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)$607.50
Prepaid interest, first (23 days)$319.77
Fees + prepaids$9,852.27
Your down payment is the seller’s equity. You take over the $123,168 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $156,683.78 is due at closing. Uses and sources reconcile at $279,852.27 each. Not a Closing Disclosure.