Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$16,011Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$27,058The complete starting cash picture.
Estimated remaining funds due at closing
$27,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,010.57
Your down payment$16,010.57
Closing costs + prepaids$11,047.37
Total buyer cash needed$27,057.93
Remaining funds due$27,057.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$920.00
Prepaid interest, first (25 days)$1,203.37
Fees + prepaids$11,047.37
Your down payment is the seller’s equity. You take over the $253,889 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $27,057.93 is due at closing. Uses and sources reconcile at $280,947.37 each. Not a Closing Disclosure.