Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,152Cash toward the purchase price.
Closing costs + prepaids$10,576Not just lender fees.
Before credits & paid funds$36,728The complete starting cash picture.
Estimated remaining funds due at closing
$36,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,151.96
Your down payment$26,151.96
Closing costs + prepaids$10,576.46
Total buyer cash needed$36,728.42
Remaining funds due$36,728.42
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)$675.00
Prepaid interest, first (28 days)$976.46
Fees + prepaids$10,576.46
Your down payment is the seller’s equity. You take over the $243,848 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $36,728.42 is due at closing. Uses and sources reconcile at $280,576.46 each. Not a Closing Disclosure.