Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$97,135Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$107,530The complete starting cash picture.
Estimated remaining funds due at closing
$107,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,135.34
Your down payment$97,135.34
Closing costs + prepaids$10,394.27
Total buyer cash needed$107,529.61
Remaining funds due$107,529.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.90
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)$1,307.75
Initial HOA (3 months)$24.75
Prepaid interest, first (2 days)$36.87
Fees + prepaids$10,394.27
Your down payment is the seller’s equity. You take over the $182,855 balance, so the rest of the $279,990 price is paid at closing. A second mortgage can cover part of it. $107,529.61 is due at closing. Uses and sources reconcile at $290,384.27 each. Not a Closing Disclosure.