Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$111,245Cash toward the purchase price.
Closing costs + prepaids$10,351Not just lender fees.
Before credits & paid funds$121,596The complete starting cash picture.
Estimated remaining funds due at closing
$121,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,245.00
Your down payment$111,245.00
Closing costs + prepaids$10,351.42
Total buyer cash needed$121,596.42
Remaining funds due$121,596.42
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)$716.25
Initial HOA (3 months)$112.50
Prepaid interest, first (28 days)$397.67
Fees + prepaids$10,351.42
Your down payment is the seller’s equity. You take over the $178,755 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $121,596.42 is due at closing. Uses and sources reconcile at $300,351.42 each. Not a Closing Disclosure.