Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,776Cash toward the purchase price.
Closing costs + prepaids$10,728Not just lender fees.
Before credits & paid funds$96,504The complete starting cash picture.
Estimated remaining funds due at closing
$96,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,775.79
Your down payment$85,775.79
Closing costs + prepaids$10,728.45
Total buyer cash needed$96,504.25
Remaining funds due$96,504.25
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)$919.25
Initial HOA (3 months)$435.00
Prepaid interest, first (25 days)$449.20
Fees + prepaids$10,728.45
Your down payment is the seller’s equity. You take over the $184,224 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $96,504.25 is due at closing. Uses and sources reconcile at $280,728.45 each. Not a Closing Disclosure.