Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$101,625Cash toward the purchase price.
Closing costs + prepaids$10,624Not just lender fees.
Before credits & paid funds$112,249The complete starting cash picture.
Estimated remaining funds due at closing
$112,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,625.32
Your down payment$101,625.32
Closing costs + prepaids$10,624.08
Total buyer cash needed$112,249.40
Remaining funds due$112,249.40
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)$1,030.50
Initial HOA (3 months)$41.25
Prepaid interest, first (23 days)$427.33
Fees + prepaids$10,624.08
Your down payment is the seller’s equity. You take over the $188,375 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $112,249.40 is due at closing. Uses and sources reconcile at $300,624.08 each. Not a Closing Disclosure.