Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$352,148Cash toward the purchase price.
Closing costs + prepaids$11,204Not just lender fees.
Before credits & paid funds$363,352The complete starting cash picture.
Estimated remaining funds due at closing
$363,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,148.37
Your down payment$352,148.37
Closing costs + prepaids$11,203.74
Total buyer cash needed$363,352.11
Remaining funds due$363,352.11
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)$456.00
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$7.74
Fees + prepaids$11,203.74
Your down payment is the seller’s equity. You take over the $82,852 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $363,352.11 is due at closing. Uses and sources reconcile at $446,203.74 each. Not a Closing Disclosure.