Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,209Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$112,139The complete starting cash picture.
Estimated remaining funds due at closing
$112,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,209.46
Your down payment$101,209.46
Closing costs + prepaids$10,929.40
Total buyer cash needed$112,138.85
Remaining funds due$112,138.85
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)$1,344.25
Initial HOA (3 months)$194.01
Prepaid interest, first (28 days)$466.14
Fees + prepaids$10,929.40
Your down payment is the seller’s equity. You take over the $168,791 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $112,138.85 is due at closing. Uses and sources reconcile at $280,929.40 each. Not a Closing Disclosure.