Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$234,387Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$246,187The complete starting cash picture.
Estimated remaining funds due at closing
$246,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,387.44
Your down payment$234,387.44
Closing costs + prepaids$11,800.01
Total buyer cash needed$246,187.45
Remaining funds due$246,187.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$381.25
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$588.76
Fees + prepaids$11,800.01
Your down payment is the seller’s equity. You take over the $200,613 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $246,187.45 is due at closing. Uses and sources reconcile at $446,800.01 each. Not a Closing Disclosure.