Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,809Cash toward the purchase price.
Closing costs + prepaids$10,144Not just lender fees.
Before credits & paid funds$111,953The complete starting cash picture.
Estimated remaining funds due at closing
$111,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,808.54
Your down payment$101,808.54
Closing costs + prepaids$10,143.99
Total buyer cash needed$111,952.53
Remaining funds due$111,952.53
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)$840.75
Prepaid interest, first (27 days)$379.24
Fees + prepaids$10,143.99
Your down payment is the seller’s equity. You take over the $168,091 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $111,952.53 is due at closing. Uses and sources reconcile at $280,043.99 each. Not a Closing Disclosure.