Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$110,991Cash toward the purchase price.
Closing costs + prepaids$9,615Not just lender fees.
Before credits & paid funds$120,606The complete starting cash picture.
Estimated remaining funds due at closing
$120,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,991.07
Your down payment$110,991.07
Closing costs + prepaids$9,615.21
Total buyer cash needed$120,606.28
Remaining funds due$120,606.28
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)$111.50
Prepaid interest, first (26 days)$378.71
Fees + prepaids$9,615.21
Your down payment is the seller’s equity. You take over the $179,009 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $120,606.28 is due at closing. Uses and sources reconcile at $299,615.21 each. Not a Closing Disclosure.