Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$93,783Cash toward the purchase price.
Closing costs + prepaids$10,546Not just lender fees.
Before credits & paid funds$104,329The complete starting cash picture.
Estimated remaining funds due at closing
$104,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,783.34
Your down payment$93,783.34
Closing costs + prepaids$10,545.81
Total buyer cash needed$104,329.15
Remaining funds due$104,329.15
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)$798.75
Prepaid interest, first (26 days)$623.06
Fees + prepaids$10,545.81
Your down payment is the seller’s equity. You take over the $196,117 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $104,329.15 is due at closing. Uses and sources reconcile at $300,445.81 each. Not a Closing Disclosure.