Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$209,227Cash toward the purchase price.
Closing costs + prepaids$9,915Not just lender fees.
Before credits & paid funds$219,142The complete starting cash picture.
Estimated remaining funds due at closing
$219,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,227.49
Your down payment$209,227.49
Closing costs + prepaids$9,914.90
Total buyer cash needed$219,142.39
Remaining funds due$219,142.39
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)$354.00
Prepaid interest, first (12 days)$87.90
Fees + prepaids$9,914.90
Your down payment is the seller’s equity. You take over the $80,773 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $219,142.39 is due at closing. Uses and sources reconcile at $299,914.90 each. Not a Closing Disclosure.