Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$277,585Cash toward the purchase price.
Closing costs + prepaids$11,972Not just lender fees.
Before credits & paid funds$289,557The complete starting cash picture.
Estimated remaining funds due at closing
$289,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,584.80
Your down payment$277,584.80
Closing costs + prepaids$11,972.05
Total buyer cash needed$289,556.85
Remaining funds due$289,556.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$411.25
Initial HOA (3 months)$117.00
Prepaid interest, first (31 days)$869.80
Fees + prepaids$11,972.05
Your down payment is the seller’s equity. You take over the $157,315 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $289,556.85 is due at closing. Uses and sources reconcile at $446,872.05 each. Not a Closing Disclosure.