Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$77,392Cash toward the purchase price.
Closing costs + prepaids$9,578Not just lender fees.
Before credits & paid funds$86,970The complete starting cash picture.
Estimated remaining funds due at closing
$86,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,392.37
Your down payment$77,392.37
Closing costs + prepaids$9,577.65
Total buyer cash needed$86,970.02
Remaining funds due$86,970.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,700.00
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)$324.00
Prepaid interest, first (9 days)$328.65
Fees + prepaids$9,577.65
Your down payment is the seller’s equity. You take over the $192,608 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $86,970.02 is due at closing. Uses and sources reconcile at $279,577.65 each. Not a Closing Disclosure.