Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,819Cash toward the purchase price.
Closing costs + prepaids$11,699Not just lender fees.
Before credits & paid funds$246,518The complete starting cash picture.
Estimated remaining funds due at closing
$246,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,819.26
Your down payment$234,819.26
Closing costs + prepaids$11,698.72
Total buyer cash needed$246,517.98
Remaining funds due$246,517.98
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)$943.00
Initial HOA (3 months)$159.00
Prepaid interest, first (1 days)$21.72
Fees + prepaids$11,698.72
Your down payment is the seller’s equity. You take over the $200,181 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $246,517.98 is due at closing. Uses and sources reconcile at $446,698.72 each. Not a Closing Disclosure.