Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$74,009Cash toward the purchase price.
Closing costs + prepaids$10,400Not just lender fees.
Before credits & paid funds$84,409The complete starting cash picture.
Estimated remaining funds due at closing
$84,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,008.66
Your down payment$74,008.66
Closing costs + prepaids$10,400.31
Total buyer cash needed$84,408.97
Remaining funds due$84,408.97
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)$341.25
Prepaid interest, first (30 days)$1,134.06
Fees + prepaids$10,400.31
Your down payment is the seller’s equity. You take over the $195,991 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $84,408.97 is due at closing. Uses and sources reconcile at $280,400.31 each. Not a Closing Disclosure.