Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$56,779Cash toward the purchase price.
Closing costs + prepaids$10,413Not just lender fees.
Before credits & paid funds$67,192The complete starting cash picture.
Estimated remaining funds due at closing
$67,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,779.12
Your down payment$56,779.12
Closing costs + prepaids$10,412.52
Total buyer cash needed$67,191.64
Remaining funds due$67,191.64
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)$211.00
Prepaid interest, first (26 days)$1,076.52
Fees + prepaids$10,412.52
Your down payment is the seller’s equity. You take over the $233,221 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $67,191.64 is due at closing. Uses and sources reconcile at $300,412.52 each. Not a Closing Disclosure.