Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,802Cash toward the purchase price.
Closing costs + prepaids$9,226Not just lender fees.
Before credits & paid funds$276,029The complete starting cash picture.
Estimated remaining funds due at closing
$276,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,802.43
Your down payment$266,802.43
Closing costs + prepaids$9,226.36
Total buyer cash needed$276,028.79
Remaining funds due$276,028.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.99
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)$300.75
Prepaid interest, first (1 days)$0.62
Fees + prepaids$9,226.36
Your down payment is the seller’s equity. You take over the $3,197 balance, so the rest of the $269,999 price is paid at closing. A second mortgage can cover part of it. $276,028.79 is due at closing. Uses and sources reconcile at $279,225.36 each. Not a Closing Disclosure.