Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$88,350Cash toward the purchase price.
Closing costs + prepaids$10,633Not just lender fees.
Before credits & paid funds$98,984The complete starting cash picture.
Estimated remaining funds due at closing
$98,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,350.37
Your down payment$88,350.37
Closing costs + prepaids$10,633.35
Total buyer cash needed$98,983.72
Remaining funds due$98,983.72
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)$459.75
Initial HOA (3 months)$600.00
Prepaid interest, first (28 days)$448.60
Fees + prepaids$10,633.35
Your down payment is the seller’s equity. You take over the $201,650 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $98,983.72 is due at closing. Uses and sources reconcile at $300,633.35 each. Not a Closing Disclosure.