Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$116,840Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$127,219The complete starting cash picture.
Estimated remaining funds due at closing
$127,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,840.37
Your down payment$116,840.37
Closing costs + prepaids$10,378.36
Total buyer cash needed$127,218.73
Remaining funds due$127,218.73
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)$388.75
Initial HOA (3 months)$849.00
Prepaid interest, first (1 days)$15.61
Fees + prepaids$10,378.36
Your down payment is the seller’s equity. You take over the $173,160 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $127,218.73 is due at closing. Uses and sources reconcile at $300,378.36 each. Not a Closing Disclosure.