Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$160,550Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$171,333The complete starting cash picture.
Estimated remaining funds due at closing
$171,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,549.56
Your down payment$160,549.56
Closing costs + prepaids$10,783.54
Total buyer cash needed$171,333.10
Remaining funds due$171,333.10
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)$869.50
Initial HOA (3 months)$446.01
Prepaid interest, first (24 days)$343.03
Fees + prepaids$10,783.54
Your down payment is the seller’s equity. You take over the $129,450 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $171,333.10 is due at closing. Uses and sources reconcile at $300,783.54 each. Not a Closing Disclosure.