Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$7,913Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$18,670The complete starting cash picture.
Estimated remaining funds due at closing
$18,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,912.79
Your down payment$7,912.79
Closing costs + prepaids$10,757.08
Total buyer cash needed$18,669.87
Remaining funds due$18,669.87
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)$1,023.00
Prepaid interest, first (22 days)$810.08
Fees + prepaids$10,757.08
Your down payment is the seller’s equity. You take over the $261,987 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $18,669.87 is due at closing. Uses and sources reconcile at $280,657.08 each. Not a Closing Disclosure.