Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,283Cash toward the purchase price.
Closing costs + prepaids$10,845Not just lender fees.
Before credits & paid funds$29,127The complete starting cash picture.
Estimated remaining funds due at closing
$29,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,282.85
Your down payment$18,282.85
Closing costs + prepaids$10,844.60
Total buyer cash needed$29,127.45
Remaining funds due$29,127.45
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)$874.25
Prepaid interest, first (22 days)$1,045.35
Fees + prepaids$10,844.60
Your down payment is the seller’s equity. You take over the $251,717 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $29,127.45 is due at closing. Uses and sources reconcile at $280,844.60 each. Not a Closing Disclosure.