Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$85,953Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$97,241The complete starting cash picture.
Estimated remaining funds due at closing
$97,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,953.24
Your down payment$85,953.24
Closing costs + prepaids$11,288.21
Total buyer cash needed$97,241.44
Remaining funds due$97,241.44
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)$947.00
Initial HOA (3 months)$1,011.00
Prepaid interest, first (28 days)$405.21
Fees + prepaids$11,288.21
Your down payment is the seller’s equity. You take over the $184,047 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $97,241.44 is due at closing. Uses and sources reconcile at $281,288.21 each. Not a Closing Disclosure.