Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,764Cash toward the purchase price.
Closing costs + prepaids$13,960Not just lender fees.
Before credits & paid funds$36,723The complete starting cash picture.
Estimated remaining funds due at closing
$36,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,763.71
Your down payment$22,763.71
Closing costs + prepaids$13,959.75
Total buyer cash needed$36,723.46
Remaining funds due$36,723.46
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)$463.75
Initial HOA (3 months)$1,296.00
Prepaid interest, first (22 days)$1,625.00
Fees + prepaids$13,959.75
Your down payment is the seller’s equity. You take over the $412,236 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $36,723.46 is due at closing. Uses and sources reconcile at $448,959.75 each. Not a Closing Disclosure.