Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$89,844Cash toward the purchase price.
Closing costs + prepaids$10,077Not just lender fees.
Before credits & paid funds$99,921The complete starting cash picture.
Estimated remaining funds due at closing
$99,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,843.75
Your down payment$89,843.75
Closing costs + prepaids$10,077.48
Total buyer cash needed$99,921.23
Remaining funds due$99,921.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,570.00
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)$621.25
Initial HOA (3 months)$636.00
Prepaid interest, first (1 days)$25.23
Fees + prepaids$10,077.48
Your down payment is the seller’s equity. You take over the $167,156 balance, so the rest of the $257,000 price is paid at closing. A second mortgage can cover part of it. $99,921.23 is due at closing. Uses and sources reconcile at $267,077.48 each. Not a Closing Disclosure.