Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$228,222Cash toward the purchase price.
Closing costs + prepaids$9,305Not just lender fees.
Before credits & paid funds$237,527The complete starting cash picture.
Estimated remaining funds due at closing
$237,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,221.93
Your down payment$228,221.93
Closing costs + prepaids$9,304.86
Total buyer cash needed$237,526.79
Remaining funds due$237,526.79
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)$324.00
Prepaid interest, first (10 days)$55.86
Fees + prepaids$9,304.86
Your down payment is the seller’s equity. You take over the $41,778 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $237,526.79 is due at closing. Uses and sources reconcile at $279,304.86 each. Not a Closing Disclosure.