Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,644Cash toward the purchase price.
Closing costs + prepaids$10,048Not just lender fees.
Before credits & paid funds$99,692The complete starting cash picture.
Estimated remaining funds due at closing
$99,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,644.19
Your down payment$89,644.19
Closing costs + prepaids$10,048.16
Total buyer cash needed$99,692.35
Remaining funds due$99,692.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,979.00
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)$329.50
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$452.17
Fees + prepaids$10,048.16
Your down payment is the seller’s equity. You take over the $208,256 balance, so the rest of the $297,900 price is paid at closing. A second mortgage can cover part of it. $99,692.35 is due at closing. Uses and sources reconcile at $307,948.16 each. Not a Closing Disclosure.