Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$90,152Cash toward the purchase price.
Closing costs + prepaids$9,659Not just lender fees.
Before credits & paid funds$99,812The complete starting cash picture.
Estimated remaining funds due at closing
$99,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,152.45
Your down payment$90,152.45
Closing costs + prepaids$9,659.07
Total buyer cash needed$99,811.52
Remaining funds due$99,811.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,960.00
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)$223.75
Initial HOA (3 months)$170.01
Prepaid interest, first (2 days)$80.31
Fees + prepaids$9,659.07
Your down payment is the seller’s equity. You take over the $205,848 balance, so the rest of the $296,000 price is paid at closing. A second mortgage can cover part of it. $99,811.52 is due at closing. Uses and sources reconcile at $305,659.07 each. Not a Closing Disclosure.