Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$71,851Cash toward the purchase price.
Closing costs + prepaids$10,273Not just lender fees.
Before credits & paid funds$82,124The complete starting cash picture.
Estimated remaining funds due at closing
$82,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,851.21
Your down payment$71,851.21
Closing costs + prepaids$10,272.70
Total buyer cash needed$82,123.92
Remaining funds due$82,123.92
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)$615.50
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$645.69
Fees + prepaids$10,272.70
Your down payment is the seller’s equity. You take over the $198,049 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $82,123.92 is due at closing. Uses and sources reconcile at $280,172.70 each. Not a Closing Disclosure.