Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$85,740Cash toward the purchase price.
Closing costs + prepaids$10,176Not just lender fees.
Before credits & paid funds$95,916The complete starting cash picture.
Estimated remaining funds due at closing
$95,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,740.13
Your down payment$85,740.13
Closing costs + prepaids$10,175.55
Total buyer cash needed$95,915.68
Remaining funds due$95,915.68
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)$158.75
Prepaid interest, first (24 days)$891.80
Fees + prepaids$10,175.55
Your down payment is the seller’s equity. You take over the $204,260 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $95,915.68 is due at closing. Uses and sources reconcile at $300,175.55 each. Not a Closing Disclosure.