Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$195,414Cash toward the purchase price.
Closing costs + prepaids$10,444Not just lender fees.
Before credits & paid funds$205,857The complete starting cash picture.
Estimated remaining funds due at closing
$205,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,413.56
Your down payment$195,413.56
Closing costs + prepaids$10,443.91
Total buyer cash needed$205,857.48
Remaining funds due$205,857.48
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)$1,026.50
Prepaid interest, first (28 days)$292.41
Fees + prepaids$10,443.91
Your down payment is the seller’s equity. You take over the $94,586 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $205,857.48 is due at closing. Uses and sources reconcile at $300,443.91 each. Not a Closing Disclosure.