Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$290,370Cash toward the purchase price.
Closing costs + prepaids$14,670Not just lender fees.
Before credits & paid funds$305,041The complete starting cash picture.
Estimated remaining funds due at closing
$305,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,370.47
Your down payment$290,370.47
Closing costs + prepaids$14,670.31
Total buyer cash needed$305,040.78
Remaining funds due$305,040.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,359.00
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)$1,089.75
Initial HOA (3 months)$2,613.00
Prepaid interest, first (26 days)$383.56
Fees + prepaids$14,670.31
Your down payment is the seller’s equity. You take over the $145,530 balance, so the rest of the $435,900 price is paid at closing. A second mortgage can cover part of it. $305,040.78 is due at closing. Uses and sources reconcile at $450,570.31 each. Not a Closing Disclosure.