Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$315,478Cash toward the purchase price.
Closing costs + prepaids$11,873Not just lender fees.
Before credits & paid funds$327,351The complete starting cash picture.
Estimated remaining funds due at closing
$327,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,478.48
Your down payment$315,478.48
Closing costs + prepaids$11,872.81
Total buyer cash needed$327,351.29
Remaining funds due$327,351.29
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)$851.00
Initial HOA (3 months)$4.74
Prepaid interest, first (27 days)$442.07
Fees + prepaids$11,872.81
Your down payment is the seller’s equity. You take over the $119,522 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $327,351.29 is due at closing. Uses and sources reconcile at $446,872.81 each. Not a Closing Disclosure.