Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$244,122Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$256,442The complete starting cash picture.
Estimated remaining funds due at closing
$256,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,121.64
Your down payment$244,121.64
Closing costs + prepaids$12,320.56
Total buyer cash needed$256,442.20
Remaining funds due$256,442.20
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)$457.25
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$1,081.31
Fees + prepaids$12,320.56
Your down payment is the seller’s equity. You take over the $190,878 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $256,442.20 is due at closing. Uses and sources reconcile at $447,320.56 each. Not a Closing Disclosure.