Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,173Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$107,335The complete starting cash picture.
Estimated remaining funds due at closing
$107,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,173.34
Your down payment$97,173.34
Closing costs + prepaids$10,162.07
Total buyer cash needed$107,335.41
Remaining funds due$107,335.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,880.00
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)$123.25
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$678.82
Fees + prepaids$10,162.07
Your down payment is the seller’s equity. You take over the $190,827 balance, so the rest of the $288,000 price is paid at closing. A second mortgage can cover part of it. $107,335.41 is due at closing. Uses and sources reconcile at $298,162.07 each. Not a Closing Disclosure.