Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$67,245Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$77,963The complete starting cash picture.
Estimated remaining funds due at closing
$77,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,244.77
Your down payment$67,244.77
Closing costs + prepaids$10,718.62
Total buyer cash needed$77,963.39
Remaining funds due$77,963.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$1,393.00
Prepaid interest, first (24 days)$405.62
Fees + prepaids$10,718.62
Your down payment is the seller’s equity. You take over the $202,255 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $77,963.39 is due at closing. Uses and sources reconcile at $280,218.62 each. Not a Closing Disclosure.