Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,322Cash toward the purchase price.
Closing costs + prepaids$10,786Not just lender fees.
Before credits & paid funds$35,108The complete starting cash picture.
Estimated remaining funds due at closing
$35,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,321.69
Your down payment$24,321.69
Closing costs + prepaids$10,786.00
Total buyer cash needed$35,107.69
Remaining funds due$35,107.69
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)$717.75
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$843.25
Fees + prepaids$10,786.00
Your down payment is the seller’s equity. You take over the $245,678 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $35,107.69 is due at closing. Uses and sources reconcile at $280,786.00 each. Not a Closing Disclosure.