Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$90,203Cash toward the purchase price.
Closing costs + prepaids$21,749Not just lender fees.
Before credits & paid funds$111,952The complete starting cash picture.
Estimated remaining funds due at closing
$111,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,202.69
Your down payment$90,202.69
Closing costs + prepaids$21,749.07
Total buyer cash needed$111,951.77
Remaining funds due$111,951.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,188.50
Initial HOA (3 months)$200.01
Prepaid interest, first (23 days)$3,235.56
Fees + prepaids$21,749.07
Your down payment is the seller’s equity. You take over the $799,797 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $111,951.77 is due at closing. Uses and sources reconcile at $911,749.07 each. Not a Closing Disclosure.