Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$174,636Cash toward the purchase price.
Closing costs + prepaids$9,848Not just lender fees.
Before credits & paid funds$184,484The complete starting cash picture.
Estimated remaining funds due at closing
$184,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,636.11
Your down payment$174,636.11
Closing costs + prepaids$9,847.51
Total buyer cash needed$184,483.62
Remaining funds due$184,483.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$638.50
Prepaid interest, first (28 days)$285.01
Fees + prepaids$9,847.51
Your down payment is the seller’s equity. You take over the $95,264 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $184,483.62 is due at closing. Uses and sources reconcile at $279,747.51 each. Not a Closing Disclosure.