Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$100,613Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$114,428The complete starting cash picture.
Estimated remaining funds due at closing
$114,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,612.60
Your down payment$100,612.60
Closing costs + prepaids$13,815.08
Total buyer cash needed$114,427.68
Remaining funds due$114,427.68
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)$1,431.00
Prepaid interest, first (31 days)$1,809.08
Fees + prepaids$13,815.08
Your down payment is the seller’s equity. You take over the $334,387 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $114,427.68 is due at closing. Uses and sources reconcile at $448,815.08 each. Not a Closing Disclosure.