Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$88,767Cash toward the purchase price.
Closing costs + prepaids$10,611Not just lender fees.
Before credits & paid funds$99,378The complete starting cash picture.
Estimated remaining funds due at closing
$99,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,767.47
Your down payment$88,767.47
Closing costs + prepaids$10,610.98
Total buyer cash needed$99,378.46
Remaining funds due$99,378.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$814.00
Initial HOA (3 months)$26.01
Prepaid interest, first (28 days)$495.97
Fees + prepaids$10,610.98
Your down payment is the seller’s equity. You take over the $216,233 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $99,378.46 is due at closing. Uses and sources reconcile at $315,610.98 each. Not a Closing Disclosure.