Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,909Cash toward the purchase price.
Closing costs + prepaids$10,201Not just lender fees.
Before credits & paid funds$103,110The complete starting cash picture.
Estimated remaining funds due at closing
$103,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,908.56
Your down payment$92,908.56
Closing costs + prepaids$10,201.13
Total buyer cash needed$103,109.69
Remaining funds due$103,109.69
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)$191.50
Initial HOA (3 months)$870.00
Prepaid interest, first (1 days)$14.63
Fees + prepaids$10,201.13
Your down payment is the seller’s equity. You take over the $197,091 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $103,109.69 is due at closing. Uses and sources reconcile at $300,201.13 each. Not a Closing Disclosure.