Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$260,035Cash toward the purchase price.
Closing costs + prepaids$9,670Not just lender fees.
Before credits & paid funds$269,705The complete starting cash picture.
Estimated remaining funds due at closing
$269,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,035.11
Your down payment$260,035.11
Closing costs + prepaids$9,670.15
Total buyer cash needed$269,705.26
Remaining funds due$269,705.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$707.00
Prepaid interest, first (29 days)$48.15
Fees + prepaids$9,670.15
Your down payment is the seller’s equity. You take over the $8,965 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $269,705.26 is due at closing. Uses and sources reconcile at $278,670.15 each. Not a Closing Disclosure.