Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$260,657Cash toward the purchase price.
Closing costs + prepaids$11,235Not just lender fees.
Before credits & paid funds$271,892The complete starting cash picture.
Estimated remaining funds due at closing
$271,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,657.04
Your down payment$260,657.04
Closing costs + prepaids$11,234.62
Total buyer cash needed$271,891.66
Remaining funds due$271,891.66
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)$406.75
Initial HOA (3 months)$216.00
Prepaid interest, first (2 days)$36.87
Fees + prepaids$11,234.62
Your down payment is the seller’s equity. You take over the $174,343 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $271,891.66 is due at closing. Uses and sources reconcile at $446,234.62 each. Not a Closing Disclosure.