Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$191,923Cash toward the purchase price.
Closing costs + prepaids$10,053Not just lender fees.
Before credits & paid funds$201,976The complete starting cash picture.
Estimated remaining funds due at closing
$201,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,923.23
Your down payment$191,923.23
Closing costs + prepaids$10,052.67
Total buyer cash needed$201,975.90
Remaining funds due$201,975.90
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)$551.50
Initial HOA (3 months)$138.00
Prepaid interest, first (22 days)$239.17
Fees + prepaids$10,052.67
Your down payment is the seller’s equity. You take over the $97,977 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $201,975.90 is due at closing. Uses and sources reconcile at $299,952.67 each. Not a Closing Disclosure.