Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,663Cash toward the purchase price.
Closing costs + prepaids$9,786Not just lender fees.
Before credits & paid funds$111,449The complete starting cash picture.
Estimated remaining funds due at closing
$111,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,662.91
Your down payment$101,662.91
Closing costs + prepaids$9,785.97
Total buyer cash needed$111,448.88
Remaining funds due$111,448.88
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)$402.75
Initial HOA (3 months)$243.00
Prepaid interest, first (1 days)$15.22
Fees + prepaids$9,785.97
Your down payment is the seller’s equity. You take over the $188,337 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $111,448.88 is due at closing. Uses and sources reconcile at $299,785.97 each. Not a Closing Disclosure.