Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,890Cash toward the purchase price.
Closing costs + prepaids$10,108Not just lender fees.
Before credits & paid funds$19,998The complete starting cash picture.
Estimated remaining funds due at closing
$19,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,890.32
Your down payment$9,890.32
Closing costs + prepaids$10,107.85
Total buyer cash needed$19,998.17
Remaining funds due$19,998.17
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)$627.00
Prepaid interest, first (26 days)$555.85
Fees + prepaids$10,107.85
Your down payment is the seller’s equity. You take over the $260,110 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $19,998.17 is due at closing. Uses and sources reconcile at $280,107.85 each. Not a Closing Disclosure.