Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$116,830Cash toward the purchase price.
Closing costs + prepaids$10,967Not just lender fees.
Before credits & paid funds$127,797The complete starting cash picture.
Estimated remaining funds due at closing
$127,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,830.21
Your down payment$116,830.21
Closing costs + prepaids$10,967.03
Total buyer cash needed$127,797.24
Remaining funds due$127,797.24
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)$738.00
Initial HOA (3 months)$990.00
Prepaid interest, first (24 days)$315.03
Fees + prepaids$10,967.03
Your down payment is the seller’s equity. You take over the $153,070 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $127,797.24 is due at closing. Uses and sources reconcile at $280,867.03 each. Not a Closing Disclosure.