Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$174,077Cash toward the purchase price.
Closing costs + prepaids$9,564Not just lender fees.
Before credits & paid funds$183,641The complete starting cash picture.
Estimated remaining funds due at closing
$183,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,076.63
Your down payment$174,076.63
Closing costs + prepaids$9,564.24
Total buyer cash needed$183,640.87
Remaining funds due$183,640.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$381.50
Prepaid interest, first (29 days)$267.74
Fees + prepaids$9,564.24
Your down payment is the seller’s equity. You take over the $94,923 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $183,640.87 is due at closing. Uses and sources reconcile at $278,564.24 each. Not a Closing Disclosure.