Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,728Cash toward the purchase price.
Closing costs + prepaids$12,734Not just lender fees.
Before credits & paid funds$157,462The complete starting cash picture.
Estimated remaining funds due at closing
$157,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,727.81
Your down payment$144,727.81
Closing costs + prepaids$12,733.85
Total buyer cash needed$157,461.66
Remaining funds due$157,461.66
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)$369.50
Initial HOA (3 months)$108.00
Prepaid interest, first (31 days)$1,681.35
Fees + prepaids$12,733.85
Your down payment is the seller’s equity. You take over the $290,272 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $157,461.66 is due at closing. Uses and sources reconcile at $447,733.85 each. Not a Closing Disclosure.