Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$93,386Cash toward the purchase price.
Closing costs + prepaids$10,478Not just lender fees.
Before credits & paid funds$103,864The complete starting cash picture.
Estimated remaining funds due at closing
$103,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,386.00
Your down payment$93,386.00
Closing costs + prepaids$10,478.46
Total buyer cash needed$103,864.46
Remaining funds due$103,864.46
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)$191.50
Initial HOA (3 months)$870.00
Prepaid interest, first (20 days)$291.96
Fees + prepaids$10,478.46
Your down payment is the seller’s equity. You take over the $196,614 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $103,864.46 is due at closing. Uses and sources reconcile at $300,478.46 each. Not a Closing Disclosure.