Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,410Cash toward the purchase price.
Closing costs + prepaids$12,206Not just lender fees.
Before credits & paid funds$102,616The complete starting cash picture.
Estimated remaining funds due at closing
$102,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,409.60
Your down payment$90,409.60
Closing costs + prepaids$12,206.23
Total buyer cash needed$102,615.84
Remaining funds due$102,615.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.99
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)$1,624.25
Initial HOA (3 months)$723.00
Prepaid interest, first (28 days)$533.99
Fees + prepaids$12,206.23
Your down payment is the seller’s equity. You take over the $219,589 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $102,615.84 is due at closing. Uses and sources reconcile at $322,205.23 each. Not a Closing Disclosure.