Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$103,676Cash toward the purchase price.
Closing costs + prepaids$9,594Not just lender fees.
Before credits & paid funds$113,270The complete starting cash picture.
Estimated remaining funds due at closing
$113,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,675.91
Your down payment$103,675.91
Closing costs + prepaids$9,594.29
Total buyer cash needed$113,270.20
Remaining funds due$113,270.20
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)$264.25
Initial HOA (3 months)$144.00
Prepaid interest, first (21 days)$262.04
Fees + prepaids$9,594.29
Your down payment is the seller’s equity. You take over the $166,224 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $113,270.20 is due at closing. Uses and sources reconcile at $279,494.29 each. Not a Closing Disclosure.