Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$239,670Cash toward the purchase price.
Closing costs + prepaids$11,882Not just lender fees.
Before credits & paid funds$251,552The complete starting cash picture.
Estimated remaining funds due at closing
$251,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,669.96
Your down payment$239,669.96
Closing costs + prepaids$11,882.42
Total buyer cash needed$251,552.38
Remaining funds due$251,552.38
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)$957.75
Prepaid interest, first (22 days)$349.67
Fees + prepaids$11,882.42
Your down payment is the seller’s equity. You take over the $195,330 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $251,552.38 is due at closing. Uses and sources reconcile at $446,882.42 each. Not a Closing Disclosure.