Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$42,833Cash toward the purchase price.
Closing costs + prepaids$10,310Not just lender fees.
Before credits & paid funds$53,143The complete starting cash picture.
Estimated remaining funds due at closing
$53,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,833.10
Your down payment$42,833.10
Closing costs + prepaids$10,309.55
Total buyer cash needed$53,142.64
Remaining funds due$53,142.64
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)$322.50
Prepaid interest, first (24 days)$1,063.05
Fees + prepaids$10,309.55
Your down payment is the seller’s equity. You take over the $227,067 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $53,142.64 is due at closing. Uses and sources reconcile at $280,209.55 each. Not a Closing Disclosure.