Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$43,734Cash toward the purchase price.
Closing costs + prepaids$10,391Not just lender fees.
Before credits & paid funds$54,124The complete starting cash picture.
Estimated remaining funds due at closing
$54,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,733.62
Your down payment$43,733.62
Closing costs + prepaids$10,390.83
Total buyer cash needed$54,124.45
Remaining funds due$54,124.45
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)$867.00
Prepaid interest, first (28 days)$598.83
Fees + prepaids$10,390.83
Your down payment is the seller’s equity. You take over the $226,266 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $54,124.45 is due at closing. Uses and sources reconcile at $280,390.83 each. Not a Closing Disclosure.