Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,100Cash toward the purchase price.
Closing costs + prepaids$9,295Not just lender fees.
Before credits & paid funds$43,395The complete starting cash picture.
Estimated remaining funds due at closing
$43,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,099.69
Your down payment$34,099.69
Closing costs + prepaids$9,295.23
Total buyer cash needed$43,394.92
Remaining funds due$43,394.92
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)$352.50
Prepaid interest, first (1 days)$18.73
Fees + prepaids$9,295.23
Your down payment is the seller’s equity. You take over the $235,800 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $43,394.92 is due at closing. Uses and sources reconcile at $279,195.23 each. Not a Closing Disclosure.