Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,775Cash toward the purchase price.
Closing costs + prepaids$10,532Not just lender fees.
Before credits & paid funds$78,307The complete starting cash picture.
Estimated remaining funds due at closing
$78,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,774.76
Your down payment$67,774.76
Closing costs + prepaids$10,532.22
Total buyer cash needed$78,306.97
Remaining funds due$78,306.97
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)$798.75
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$509.47
Fees + prepaids$10,532.22
Your down payment is the seller’s equity. You take over the $202,125 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $78,306.97 is due at closing. Uses and sources reconcile at $280,432.22 each. Not a Closing Disclosure.