Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,192Cash toward the purchase price.
Closing costs + prepaids$10,234Not just lender fees.
Before credits & paid funds$111,426The complete starting cash picture.
Estimated remaining funds due at closing
$111,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,191.79
Your down payment$101,191.79
Closing costs + prepaids$10,233.99
Total buyer cash needed$111,425.79
Remaining funds due$111,425.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$1,030.50
Initial HOA (3 months)$41.25
Prepaid interest, first (2 days)$37.24
Fees + prepaids$10,233.99
Your down payment is the seller’s equity. You take over the $188,808 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $111,425.79 is due at closing. Uses and sources reconcile at $300,233.99 each. Not a Closing Disclosure.