Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,614Cash toward the purchase price.
Closing costs + prepaids$9,678Not just lender fees.
Before credits & paid funds$105,292The complete starting cash picture.
Estimated remaining funds due at closing
$105,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,614.15
Your down payment$95,614.15
Closing costs + prepaids$9,677.93
Total buyer cash needed$105,292.08
Remaining funds due$105,292.08
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)$373.50
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$14.43
Fees + prepaids$9,677.93
Your down payment is the seller’s equity. You take over the $194,386 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $105,292.08 is due at closing. Uses and sources reconcile at $299,677.93 each. Not a Closing Disclosure.