Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$67,600Cash toward the purchase price.
Closing costs + prepaids$9,803Not just lender fees.
Before credits & paid funds$77,403The complete starting cash picture.
Estimated remaining funds due at closing
$77,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,599.89
Your down payment$67,599.89
Closing costs + prepaids$9,802.83
Total buyer cash needed$77,402.71
Remaining funds due$77,402.71
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)$337.50
Prepaid interest, first (16 days)$540.33
Fees + prepaids$9,802.83
Your down payment is the seller’s equity. You take over the $202,400 balance, so the rest of the $270,000 price is paid at closing. A second mortgage can cover part of it. $77,402.71 is due at closing. Uses and sources reconcile at $279,802.83 each. Not a Closing Disclosure.