Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,450Cash toward the purchase price.
Closing costs + prepaids$10,400Not just lender fees.
Before credits & paid funds$54,850The complete starting cash picture.
Estimated remaining funds due at closing
$54,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,449.54
Your down payment$44,449.54
Closing costs + prepaids$10,400.36
Total buyer cash needed$54,849.91
Remaining funds due$54,849.91
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)$558.75
Prepaid interest, first (24 days)$917.61
Fees + prepaids$10,400.36
Your down payment is the seller’s equity. You take over the $225,450 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $54,849.91 is due at closing. Uses and sources reconcile at $280,300.36 each. Not a Closing Disclosure.