Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$192,752Cash toward the purchase price.
Closing costs + prepaids$12,556Not just lender fees.
Before credits & paid funds$205,307The complete starting cash picture.
Estimated remaining funds due at closing
$205,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,751.87
Your down payment$192,751.87
Closing costs + prepaids$12,555.57
Total buyer cash needed$205,307.44
Remaining funds due$205,307.44
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)$1,087.50
Prepaid interest, first (29 days)$893.07
Fees + prepaids$12,555.57
Your down payment is the seller’s equity. You take over the $242,248 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $205,307.44 is due at closing. Uses and sources reconcile at $447,555.57 each. Not a Closing Disclosure.