Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$261,166Cash toward the purchase price.
Closing costs + prepaids$9,063Not just lender fees.
Before credits & paid funds$270,230The complete starting cash picture.
Estimated remaining funds due at closing
$270,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,166.34
Your down payment$261,166.34
Closing costs + prepaids$9,063.26
Total buyer cash needed$270,229.59
Remaining funds due$270,229.59
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)$136.25
Prepaid interest, first (2 days)$3.01
Fees + prepaids$9,063.26
Your down payment is the seller’s equity. You take over the $8,734 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $270,229.59 is due at closing. Uses and sources reconcile at $278,963.26 each. Not a Closing Disclosure.