Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,226Cash toward the purchase price.
Closing costs + prepaids$10,877Not just lender fees.
Before credits & paid funds$90,103The complete starting cash picture.
Estimated remaining funds due at closing
$90,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,225.93
Your down payment$79,225.93
Closing costs + prepaids$10,877.26
Total buyer cash needed$90,103.19
Remaining funds due$90,103.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$785.00
Prepaid interest, first (26 days)$977.26
Fees + prepaids$10,877.26
Your down payment is the seller’s equity. You take over the $209,774 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $90,103.19 is due at closing. Uses and sources reconcile at $299,877.26 each. Not a Closing Disclosure.