Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,363Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$101,185The complete starting cash picture.
Estimated remaining funds due at closing
$101,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,363.08
Your down payment$90,363.08
Closing costs + prepaids$10,822.27
Total buyer cash needed$101,185.35
Remaining funds due$101,185.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,960.00
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)$223.75
Initial HOA (3 months)$170.01
Prepaid interest, first (31 days)$1,243.51
Fees + prepaids$10,822.27
Your down payment is the seller’s equity. You take over the $205,637 balance, so the rest of the $296,000 price is paid at closing. A second mortgage can cover part of it. $101,185.35 is due at closing. Uses and sources reconcile at $306,822.27 each. Not a Closing Disclosure.