Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$153,449Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$165,929The complete starting cash picture.
Estimated remaining funds due at closing
$165,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,449.46
Your down payment$153,449.46
Closing costs + prepaids$12,479.65
Total buyer cash needed$165,929.11
Remaining funds due$165,929.11
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)$925.75
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$738.90
Fees + prepaids$12,479.65
Your down payment is the seller’s equity. You take over the $281,551 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $165,929.11 is due at closing. Uses and sources reconcile at $447,479.65 each. Not a Closing Disclosure.