Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$149,860Cash toward the purchase price.
Closing costs + prepaids$13,029Not just lender fees.
Before credits & paid funds$162,889The complete starting cash picture.
Estimated remaining funds due at closing
$162,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,859.61
Your down payment$149,859.61
Closing costs + prepaids$13,029.31
Total buyer cash needed$162,888.93
Remaining funds due$162,888.93
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
Initial HOA (3 months)$42.51
Prepaid interest, first (26 days)$1,324.30
Fees + prepaids$13,029.31
Your down payment is the seller’s equity. You take over the $285,140 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $162,888.93 is due at closing. Uses and sources reconcile at $448,029.31 each. Not a Closing Disclosure.