Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,625Cash toward the purchase price.
Closing costs + prepaids$10,369Not just lender fees.
Before credits & paid funds$87,994The complete starting cash picture.
Estimated remaining funds due at closing
$87,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,625.20
Your down payment$77,625.20
Closing costs + prepaids$10,368.86
Total buyer cash needed$87,994.07
Remaining funds due$87,994.07
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)$656.75
Initial HOA (3 months)$174.00
Prepaid interest, first (25 days)$413.11
Fees + prepaids$10,368.86
Your down payment is the seller’s equity. You take over the $212,375 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $87,994.07 is due at closing. Uses and sources reconcile at $300,368.86 each. Not a Closing Disclosure.