Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$34,633Cash toward the purchase price.
Closing costs + prepaids$9,650Not just lender fees.
Before credits & paid funds$44,284The complete starting cash picture.
Estimated remaining funds due at closing
$44,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,633.30
Your down payment$34,633.30
Closing costs + prepaids$9,650.35
Total buyer cash needed$44,283.65
Remaining funds due$44,283.65
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)$352.50
Prepaid interest, first (20 days)$373.85
Fees + prepaids$9,650.35
Your down payment is the seller’s equity. You take over the $235,267 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $44,283.65 is due at closing. Uses and sources reconcile at $279,550.35 each. Not a Closing Disclosure.