Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$96,070Cash toward the purchase price.
Closing costs + prepaids$9,782Not just lender fees.
Before credits & paid funds$105,852The complete starting cash picture.
Estimated remaining funds due at closing
$105,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,070.00
Your down payment$96,070.00
Closing costs + prepaids$9,781.99
Total buyer cash needed$105,851.98
Remaining funds due$105,851.98
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)$348.00
Initial HOA (3 months)$165.00
Prepaid interest, first (10 days)$143.99
Fees + prepaids$9,781.99
Your down payment is the seller’s equity. You take over the $193,930 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $105,851.98 is due at closing. Uses and sources reconcile at $299,781.99 each. Not a Closing Disclosure.