Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$102,424Cash toward the purchase price.
Closing costs + prepaids$10,459Not just lender fees.
Before credits & paid funds$112,883The complete starting cash picture.
Estimated remaining funds due at closing
$112,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,424.40
Your down payment$102,424.40
Closing costs + prepaids$10,459.06
Total buyer cash needed$112,883.46
Remaining funds due$112,883.46
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)$688.50
Initial HOA (3 months)$762.00
Prepaid interest, first (5 days)$83.56
Fees + prepaids$10,459.06
Your down payment is the seller’s equity. You take over the $167,576 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $112,883.46 is due at closing. Uses and sources reconcile at $280,459.06 each. Not a Closing Disclosure.