Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,966Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$137,931The complete starting cash picture.
Estimated remaining funds due at closing
$137,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,965.75
Your down payment$127,965.75
Closing costs + prepaids$9,965.52
Total buyer cash needed$137,931.27
Remaining funds due$137,931.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$667.75
Prepaid interest, first (27 days)$373.77
Fees + prepaids$9,965.52
Your down payment is the seller’s equity. You take over the $141,934 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $137,931.27 is due at closing. Uses and sources reconcile at $279,865.52 each. Not a Closing Disclosure.