Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$117,246Cash toward the purchase price.
Closing costs + prepaids$10,845Not just lender fees.
Before credits & paid funds$128,092The complete starting cash picture.
Estimated remaining funds due at closing
$128,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,246.06
Your down payment$117,246.06
Closing costs + prepaids$10,845.47
Total buyer cash needed$128,091.53
Remaining funds due$128,091.53
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)$388.75
Initial HOA (3 months)$849.00
Prepaid interest, first (31 days)$482.72
Fees + prepaids$10,845.47
Your down payment is the seller’s equity. You take over the $172,754 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $128,091.53 is due at closing. Uses and sources reconcile at $300,845.47 each. Not a Closing Disclosure.