Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,077Cash toward the purchase price.
Closing costs + prepaids$10,360Not just lender fees.
Before credits & paid funds$134,438The complete starting cash picture.
Estimated remaining funds due at closing
$134,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,077.29
Your down payment$124,077.29
Closing costs + prepaids$10,360.41
Total buyer cash needed$134,437.70
Remaining funds due$134,437.70
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
Initial HOA (3 months)$56.01
Prepaid interest, first (28 days)$454.40
Fees + prepaids$10,360.41
Your down payment is the seller’s equity. You take over the $165,923 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $134,437.70 is due at closing. Uses and sources reconcile at $300,360.41 each. Not a Closing Disclosure.