Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$95,031Cash toward the purchase price.
Closing costs + prepaids$9,915Not just lender fees.
Before credits & paid funds$104,946The complete starting cash picture.
Estimated remaining funds due at closing
$104,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,031.00
Your down payment$95,031.00
Closing costs + prepaids$9,914.69
Total buyer cash needed$104,945.69
Remaining funds due$104,945.69
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
Initial HOA (3 months)$540.00
Prepaid interest, first (6 days)$125.69
Fees + prepaids$9,914.69
Your down payment is the seller’s equity. You take over the $174,969 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $104,945.69 is due at closing. Uses and sources reconcile at $279,914.69 each. Not a Closing Disclosure.