Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$77,201Cash toward the purchase price.
Closing costs + prepaids$9,169Not just lender fees.
Before credits & paid funds$86,370The complete starting cash picture.
Estimated remaining funds due at closing
$86,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,201.49
Your down payment$77,201.49
Closing costs + prepaids$9,168.80
Total buyer cash needed$86,370.29
Remaining funds due$86,370.29
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)$207.25
Prepaid interest, first (1 days)$36.55
Fees + prepaids$9,168.80
Your down payment is the seller’s equity. You take over the $192,799 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $86,370.29 is due at closing. Uses and sources reconcile at $279,168.80 each. Not a Closing Disclosure.