Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$117,246Cash toward the purchase price.
Closing costs + prepaids$10,462Not just lender fees.
Before credits & paid funds$127,708The complete starting cash picture.
Estimated remaining funds due at closing
$127,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,246.06
Your down payment$117,246.06
Closing costs + prepaids$10,462.14
Total buyer cash needed$127,708.21
Remaining funds due$127,708.21
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)$348.00
Initial HOA (3 months)$849.00
Prepaid interest, first (9 days)$140.14
Fees + prepaids$10,462.14
Your down payment is the seller’s equity. You take over the $172,754 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $127,708.21 is due at closing. Uses and sources reconcile at $300,462.14 each. Not a Closing Disclosure.