Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,203Cash toward the purchase price.
Closing costs + prepaids$22,874Not just lender fees.
Before credits & paid funds$113,077The complete starting cash picture.
Estimated remaining funds due at closing
$113,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,202.69
Your down payment$90,202.69
Closing costs + prepaids$22,874.49
Total buyer cash needed$113,077.18
Remaining funds due$113,077.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,188.50
Initial HOA (3 months)$200.01
Prepaid interest, first (31 days)$4,360.98
Fees + prepaids$22,874.49
Your down payment is the seller’s equity. You take over the $799,797 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $113,077.18 is due at closing. Uses and sources reconcile at $912,874.49 each. Not a Closing Disclosure.