Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$295,910Cash toward the purchase price.
Closing costs + prepaids$11,745Not just lender fees.
Before credits & paid funds$307,655The complete starting cash picture.
Estimated remaining funds due at closing
$307,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,910.21
Your down payment$295,910.21
Closing costs + prepaids$11,745.08
Total buyer cash needed$307,655.29
Remaining funds due$307,655.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,369.00
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)$723.50
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$367.58
Fees + prepaids$11,745.08
Your down payment is the seller’s equity. You take over the $140,990 balance, so the rest of the $436,900 price is paid at closing. A second mortgage can cover part of it. $307,655.29 is due at closing. Uses and sources reconcile at $448,645.08 each. Not a Closing Disclosure.