Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,304Cash toward the purchase price.
Closing costs + prepaids$13,199Not just lender fees.
Before credits & paid funds$77,503The complete starting cash picture.
Estimated remaining funds due at closing
$77,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,304.44
Your down payment$64,304.44
Closing costs + prepaids$13,198.59
Total buyer cash needed$77,503.03
Remaining funds due$77,503.03
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)$512.75
Initial HOA (3 months)$390.00
Prepaid interest, first (24 days)$1,720.84
Fees + prepaids$13,198.59
Your down payment is the seller’s equity. You take over the $370,696 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $77,503.03 is due at closing. Uses and sources reconcile at $448,198.59 each. Not a Closing Disclosure.