Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$107,664Cash toward the purchase price.
Closing costs + prepaids$10,412Not just lender fees.
Before credits & paid funds$118,075The complete starting cash picture.
Estimated remaining funds due at closing
$118,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,663.92
Your down payment$107,663.92
Closing costs + prepaids$10,411.51
Total buyer cash needed$118,075.43
Remaining funds due$118,075.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$824.50
Initial HOA (3 months)$126.00
Prepaid interest, first (25 days)$337.01
Fees + prepaids$10,411.51
Your down payment is the seller’s equity. You take over the $182,236 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $118,075.43 is due at closing. Uses and sources reconcile at $300,311.51 each. Not a Closing Disclosure.