Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$164,935Cash toward the purchase price.
Closing costs + prepaids$10,078Not just lender fees.
Before credits & paid funds$175,013The complete starting cash picture.
Estimated remaining funds due at closing
$175,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,934.54
Your down payment$164,934.54
Closing costs + prepaids$10,078.28
Total buyer cash needed$175,012.82
Remaining funds due$175,012.82
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)$700.00
Prepaid interest, first (24 days)$253.28
Fees + prepaids$10,078.28
Your down payment is the seller’s equity. You take over the $125,065 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $175,012.82 is due at closing. Uses and sources reconcile at $300,078.28 each. Not a Closing Disclosure.