Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$202,617Cash toward the purchase price.
Closing costs + prepaids$12,906Not just lender fees.
Before credits & paid funds$215,523The complete starting cash picture.
Estimated remaining funds due at closing
$215,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,617.15
Your down payment$202,617.15
Closing costs + prepaids$12,906.09
Total buyer cash needed$215,523.25
Remaining funds due$215,523.25
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)$1,428.25
Initial HOA (3 months)$393.00
Prepaid interest, first (28 days)$509.84
Fees + prepaids$12,906.09
Your down payment is the seller’s equity. You take over the $232,383 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $215,523.25 is due at closing. Uses and sources reconcile at $447,906.09 each. Not a Closing Disclosure.