Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$246,629Cash toward the purchase price.
Closing costs + prepaids$11,471Not just lender fees.
Before credits & paid funds$258,101The complete starting cash picture.
Estimated remaining funds due at closing
$258,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,629.47
Your down payment$246,629.47
Closing costs + prepaids$11,471.34
Total buyer cash needed$258,100.81
Remaining funds due$258,100.81
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)$471.50
Prepaid interest, first (28 days)$424.84
Fees + prepaids$11,471.34
Your down payment is the seller’s equity. You take over the $188,371 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $258,100.81 is due at closing. Uses and sources reconcile at $446,471.34 each. Not a Closing Disclosure.