Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$191,720Cash toward the purchase price.
Closing costs + prepaids$10,142Not just lender fees.
Before credits & paid funds$201,862The complete starting cash picture.
Estimated remaining funds due at closing
$201,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,719.61
Your down payment$191,719.61
Closing costs + prepaids$10,142.14
Total buyer cash needed$201,861.75
Remaining funds due$201,861.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$706.75
Initial HOA (3 months)$4.74
Prepaid interest, first (25 days)$306.65
Fees + prepaids$10,142.14
Your down payment is the seller’s equity. You take over the $98,180 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $201,861.75 is due at closing. Uses and sources reconcile at $300,042.14 each. Not a Closing Disclosure.