Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$90,530Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$101,372The complete starting cash picture.
Estimated remaining funds due at closing
$101,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,529.72
Your down payment$90,529.72
Closing costs + prepaids$10,842.71
Total buyer cash needed$101,372.43
Remaining funds due$101,372.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$931.25
Initial HOA (3 months)$206.01
Prepaid interest, first (23 days)$480.46
Fees + prepaids$10,842.71
Your down payment is the seller’s equity. You take over the $209,469 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $101,372.43 is due at closing. Uses and sources reconcile at $310,841.71 each. Not a Closing Disclosure.