Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$267,271Cash toward the purchase price.
Closing costs + prepaids$9,542Not just lender fees.
Before credits & paid funds$276,813The complete starting cash picture.
Estimated remaining funds due at closing
$276,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,271.07
Your down payment$267,271.07
Closing costs + prepaids$9,541.62
Total buyer cash needed$276,812.68
Remaining funds due$276,812.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,750.00
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)$531.50
Prepaid interest, first (24 days)$35.12
Fees + prepaids$9,541.62
Your down payment is the seller’s equity. You take over the $7,729 balance, so the rest of the $275,000 price is paid at closing. A second mortgage can cover part of it. $276,812.68 is due at closing. Uses and sources reconcile at $284,541.62 each. Not a Closing Disclosure.