Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,799Cash toward the purchase price.
Closing costs + prepaids$10,870Not just lender fees.
Before credits & paid funds$207,669The complete starting cash picture.
Estimated remaining funds due at closing
$207,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,799.01
Your down payment$196,799.01
Closing costs + prepaids$10,870.03
Total buyer cash needed$207,669.04
Remaining funds due$207,669.04
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)$697.00
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$389.03
Fees + prepaids$10,870.03
Your down payment is the seller’s equity. You take over the $93,101 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $207,669.04 is due at closing. Uses and sources reconcile at $300,770.03 each. Not a Closing Disclosure.