Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,274Cash toward the purchase price.
Closing costs + prepaids$10,498Not just lender fees.
Before credits & paid funds$89,772The complete starting cash picture.
Estimated remaining funds due at closing
$89,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,273.56
Your down payment$79,273.56
Closing costs + prepaids$10,497.94
Total buyer cash needed$89,771.51
Remaining funds due$89,771.51
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)$397.25
Prepaid interest, first (26 days)$975.69
Fees + prepaids$10,497.94
Your down payment is the seller’s equity. You take over the $210,726 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $89,771.51 is due at closing. Uses and sources reconcile at $300,497.94 each. Not a Closing Disclosure.