Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$302,189Cash toward the purchase price.
Closing costs + prepaids$11,624Not just lender fees.
Before credits & paid funds$313,813The complete starting cash picture.
Estimated remaining funds due at closing
$313,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,188.82
Your down payment$302,188.82
Closing costs + prepaids$11,624.04
Total buyer cash needed$313,812.86
Remaining funds due$313,812.86
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)$585.00
Initial HOA (3 months)$114.00
Prepaid interest, first (26 days)$350.04
Fees + prepaids$11,624.04
Your down payment is the seller’s equity. You take over the $132,811 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $313,812.86 is due at closing. Uses and sources reconcile at $446,624.04 each. Not a Closing Disclosure.