Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$183,495Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$195,432The complete starting cash picture.
Estimated remaining funds due at closing
$195,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,495.23
Your down payment$183,495.23
Closing costs + prepaids$11,936.75
Total buyer cash needed$195,431.98
Remaining funds due$195,431.98
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)$590.50
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$621.25
Fees + prepaids$11,936.75
Your down payment is the seller’s equity. You take over the $251,505 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $195,431.98 is due at closing. Uses and sources reconcile at $446,936.75 each. Not a Closing Disclosure.