Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,028Cash toward the purchase price.
Closing costs + prepaids$9,279Not just lender fees.
Before credits & paid funds$78,307The complete starting cash picture.
Estimated remaining funds due at closing
$78,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,028.14
Your down payment$69,028.14
Closing costs + prepaids$9,279.21
Total buyer cash needed$78,307.36
Remaining funds due$78,307.36
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)$319.00
Prepaid interest, first (1 days)$36.21
Fees + prepaids$9,279.21
Your down payment is the seller’s equity. You take over the $200,872 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $78,307.36 is due at closing. Uses and sources reconcile at $279,179.21 each. Not a Closing Disclosure.