Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,018Cash toward the purchase price.
Closing costs + prepaids$10,478Not just lender fees.
Before credits & paid funds$93,497The complete starting cash picture.
Estimated remaining funds due at closing
$93,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,018.44
Your down payment$83,018.44
Closing costs + prepaids$10,478.45
Total buyer cash needed$93,496.89
Remaining funds due$93,496.89
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)$242.00
Initial HOA (3 months)$54.99
Prepaid interest, first (27 days)$1,056.46
Fees + prepaids$10,478.45
Your down payment is the seller’s equity. You take over the $206,982 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $93,496.89 is due at closing. Uses and sources reconcile at $300,478.45 each. Not a Closing Disclosure.