Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,951Cash toward the purchase price.
Closing costs + prepaids$11,620Not just lender fees.
Before credits & paid funds$138,571The complete starting cash picture.
Estimated remaining funds due at closing
$138,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,951.26
Your down payment$126,951.26
Closing costs + prepaids$11,619.70
Total buyer cash needed$138,570.96
Remaining funds due$138,570.96
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)$316.00
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$603.69
Fees + prepaids$11,619.70
Your down payment is the seller’s equity. You take over the $308,049 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $138,570.96 is due at closing. Uses and sources reconcile at $446,619.70 each. Not a Closing Disclosure.