Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,239Cash toward the purchase price.
Closing costs + prepaids$9,779Not just lender fees.
Before credits & paid funds$102,018The complete starting cash picture.
Estimated remaining funds due at closing
$102,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,239.33
Your down payment$92,239.33
Closing costs + prepaids$9,778.53
Total buyer cash needed$102,017.86
Remaining funds due$102,017.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.99
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)$395.75
Prepaid interest, first (25 days)$457.79
Fees + prepaids$9,778.53
Your down payment is the seller’s equity. You take over the $177,760 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $102,017.86 is due at closing. Uses and sources reconcile at $279,777.53 each. Not a Closing Disclosure.