Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$110,577Cash toward the purchase price.
Closing costs + prepaids$9,251Not just lender fees.
Before credits & paid funds$119,828The complete starting cash picture.
Estimated remaining funds due at closing
$119,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,577.39
Your down payment$110,577.39
Closing costs + prepaids$9,251.10
Total buyer cash needed$119,828.49
Remaining funds due$119,828.49
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)$111.50
Prepaid interest, first (1 days)$14.60
Fees + prepaids$9,251.10
Your down payment is the seller’s equity. You take over the $179,423 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $119,828.49 is due at closing. Uses and sources reconcile at $299,251.10 each. Not a Closing Disclosure.