Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,036Cash toward the purchase price.
Closing costs + prepaids$10,465Not just lender fees.
Before credits & paid funds$66,501The complete starting cash picture.
Estimated remaining funds due at closing
$66,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,036.05
Your down payment$56,036.05
Closing costs + prepaids$10,464.66
Total buyer cash needed$66,500.71
Remaining funds due$66,500.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,720.00
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)$1,068.50
Prepaid interest, first (25 days)$451.16
Fees + prepaids$10,464.66
Your down payment is the seller’s equity. You take over the $215,964 balance, so the rest of the $272,000 price is paid at closing. A second mortgage can cover part of it. $66,500.71 is due at closing. Uses and sources reconcile at $282,464.66 each. Not a Closing Disclosure.