Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$89,537Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$100,509The complete starting cash picture.
Estimated remaining funds due at closing
$100,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,537.49
Your down payment$89,537.49
Closing costs + prepaids$10,971.20
Total buyer cash needed$100,508.69
Remaining funds due$100,508.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,059.00
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)$1,130.25
Initial HOA (3 months)$52.50
Prepaid interest, first (23 days)$504.45
Fees + prepaids$10,971.20
Your down payment is the seller’s equity. You take over the $216,363 balance, so the rest of the $305,900 price is paid at closing. A second mortgage can cover part of it. $100,508.69 is due at closing. Uses and sources reconcile at $316,871.20 each. Not a Closing Disclosure.