Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$97,170Cash toward the purchase price.
Closing costs + prepaids$9,368Not just lender fees.
Before credits & paid funds$106,538The complete starting cash picture.
Estimated remaining funds due at closing
$106,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,169.73
Your down payment$97,169.73
Closing costs + prepaids$9,367.84
Total buyer cash needed$106,537.57
Remaining funds due$106,537.57
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)$324.00
Initial HOA (3 months)$12.51
Prepaid interest, first (6 days)$107.33
Fees + prepaids$9,367.84
Your down payment is the seller’s equity. You take over the $172,730 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $106,537.57 is due at closing. Uses and sources reconcile at $279,267.84 each. Not a Closing Disclosure.