Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$83,471Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$94,376The complete starting cash picture.
Estimated remaining funds due at closing
$94,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,471.23
Your down payment$83,471.23
Closing costs + prepaids$10,904.85
Total buyer cash needed$94,376.08
Remaining funds due$94,376.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$641.25
Prepaid interest, first (31 days)$1,139.60
Fees + prepaids$10,904.85
Your down payment is the seller’s equity. You take over the $206,429 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $94,376.08 is due at closing. Uses and sources reconcile at $300,804.85 each. Not a Closing Disclosure.