Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,094Cash toward the purchase price.
Closing costs + prepaids$10,242Not just lender fees.
Before credits & paid funds$112,336The complete starting cash picture.
Estimated remaining funds due at closing
$112,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,094.22
Your down payment$102,094.22
Closing costs + prepaids$10,241.54
Total buyer cash needed$112,335.76
Remaining funds due$112,335.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$402.75
Initial HOA (3 months)$243.00
Prepaid interest, first (31 days)$470.79
Fees + prepaids$10,241.54
Your down payment is the seller’s equity. You take over the $187,906 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $112,335.76 is due at closing. Uses and sources reconcile at $300,241.54 each. Not a Closing Disclosure.