Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$80,568Cash toward the purchase price.
Closing costs + prepaids$9,657Not just lender fees.
Before credits & paid funds$90,225The complete starting cash picture.
Estimated remaining funds due at closing
$90,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,568.11
Your down payment$80,568.11
Closing costs + prepaids$9,656.87
Total buyer cash needed$90,224.98
Remaining funds due$90,224.98
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)$128.25
Prepaid interest, first (31 days)$604.62
Fees + prepaids$9,656.87
Your down payment is the seller’s equity. You take over the $189,332 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $90,224.98 is due at closing. Uses and sources reconcile at $279,556.87 each. Not a Closing Disclosure.