Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$269,800Cash toward the purchase price.
Closing costs + prepaids$8,819Not just lender fees.
Before credits & paid funds$278,619The complete starting cash picture.
Estimated remaining funds due at closing
$278,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,800.00
Your down payment$269,800.00
Closing costs + prepaids$8,819.00
Total buyer cash needed$278,619.00
Remaining funds due$278,619.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,698.00
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)$903.00
Fees + prepaids$8,819.00
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $269,800 price is paid at closing. A second mortgage can cover part of it. $278,619.00 is due at closing. Uses and sources reconcile at $278,619.00 each. Not a Closing Disclosure.