Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$75,894Cash toward the purchase price.
Closing costs + prepaids$10,181Not just lender fees.
Before credits & paid funds$86,075The complete starting cash picture.
Estimated remaining funds due at closing
$86,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,893.89
Your down payment$75,893.89
Closing costs + prepaids$10,181.45
Total buyer cash needed$86,075.34
Remaining funds due$86,075.34
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)$218.50
Initial HOA (3 months)$660.00
Prepaid interest, first (23 days)$377.95
Fees + prepaids$10,181.45
Your down payment is the seller’s equity. You take over the $194,106 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $86,075.34 is due at closing. Uses and sources reconcile at $280,181.45 each. Not a Closing Disclosure.