Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,341Cash toward the purchase price.
Closing costs + prepaids$10,081Not just lender fees.
Before credits & paid funds$209,421The complete starting cash picture.
Estimated remaining funds due at closing
$209,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,340.70
Your down payment$199,340.70
Closing costs + prepaids$10,080.55
Total buyer cash needed$209,421.25
Remaining funds due$209,421.25
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)$725.00
Prepaid interest, first (26 days)$230.55
Fees + prepaids$10,080.55
Your down payment is the seller’s equity. You take over the $90,659 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $209,421.25 is due at closing. Uses and sources reconcile at $300,080.55 each. Not a Closing Disclosure.