Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$352,469Cash toward the purchase price.
Closing costs + prepaids$11,396Not just lender fees.
Before credits & paid funds$363,866The complete starting cash picture.
Estimated remaining funds due at closing
$363,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,469.08
Your down payment$352,469.08
Closing costs + prepaids$11,396.47
Total buyer cash needed$363,865.55
Remaining funds due$363,865.55
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 (26 days)$200.47
Fees + prepaids$11,396.47
Your down payment is the seller’s equity. You take over the $82,531 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $363,865.55 is due at closing. Uses and sources reconcile at $446,396.47 each. Not a Closing Disclosure.