Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$197,340Cash toward the purchase price.
Closing costs + prepaids$12,092Not just lender fees.
Before credits & paid funds$209,432The complete starting cash picture.
Estimated remaining funds due at closing
$209,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,340.05
Your down payment$197,340.05
Closing costs + prepaids$12,092.31
Total buyer cash needed$209,432.36
Remaining funds due$209,432.36
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)$734.75
Initial HOA (3 months)$66.00
Prepaid interest, first (31 days)$716.56
Fees + prepaids$12,092.31
Your down payment is the seller’s equity. You take over the $237,660 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $209,432.36 is due at closing. Uses and sources reconcile at $447,092.31 each. Not a Closing Disclosure.