Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$59,183Cash toward the purchase price.
Closing costs + prepaids$10,413Not just lender fees.
Before credits & paid funds$69,596The complete starting cash picture.
Estimated remaining funds due at closing
$69,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,182.80
Your down payment$59,182.80
Closing costs + prepaids$10,413.25
Total buyer cash needed$69,596.05
Remaining funds due$69,596.05
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)$725.00
Initial HOA (3 months)$125.01
Prepaid interest, first (18 days)$438.24
Fees + prepaids$10,413.25
Your down payment is the seller’s equity. You take over the $230,817 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $69,596.05 is due at closing. Uses and sources reconcile at $300,413.25 each. Not a Closing Disclosure.