Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$67,620Cash toward the purchase price.
Closing costs + prepaids$11,020Not just lender fees.
Before credits & paid funds$78,640The complete starting cash picture.
Estimated remaining funds due at closing
$78,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,620.21
Your down payment$67,620.21
Closing costs + prepaids$11,019.93
Total buyer cash needed$78,640.14
Remaining funds due$78,640.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.50
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)$1,584.75
Initial HOA (3 months)$31.74
Prepaid interest, first (24 days)$478.94
Fees + prepaids$11,019.93
Your down payment is the seller’s equity. You take over the $202,330 balance, so the rest of the $269,950 price is paid at closing. A second mortgage can cover part of it. $78,640.14 is due at closing. Uses and sources reconcile at $280,969.93 each. Not a Closing Disclosure.