Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,842Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$61,003The complete starting cash picture.
Estimated remaining funds due at closing
$61,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,841.51
Your down payment$50,841.51
Closing costs + prepaids$10,161.57
Total buyer cash needed$61,003.08
Remaining funds due$61,003.08
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)$136.75
Initial HOA (3 months)$1,068.00
Prepaid interest, first (1 days)$31.82
Fees + prepaids$10,161.57
Your down payment is the seller’s equity. You take over the $219,158 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $61,003.08 is due at closing. Uses and sources reconcile at $280,161.57 each. Not a Closing Disclosure.