Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$370,812Cash toward the purchase price.
Closing costs + prepaids$11,824Not just lender fees.
Before credits & paid funds$382,636The complete starting cash picture.
Estimated remaining funds due at closing
$382,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,812.20
Your down payment$370,812.20
Closing costs + prepaids$11,824.05
Total buyer cash needed$382,636.25
Remaining funds due$382,636.25
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)$723.25
Initial HOA (3 months)$390.00
Prepaid interest, first (22 days)$135.80
Fees + prepaids$11,824.05
Your down payment is the seller’s equity. You take over the $64,188 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $382,636.25 is due at closing. Uses and sources reconcile at $446,824.05 each. Not a Closing Disclosure.