Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$62,582Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$73,084The complete starting cash picture.
Estimated remaining funds due at closing
$73,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,581.53
Your down payment$62,581.53
Closing costs + prepaids$10,502.21
Total buyer cash needed$73,083.74
Remaining funds due$73,083.74
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)$1,050.00
Prepaid interest, first (12 days)$203.21
Fees + prepaids$10,502.21
Your down payment is the seller’s equity. You take over the $207,418 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $73,083.74 is due at closing. Uses and sources reconcile at $280,502.21 each. Not a Closing Disclosure.