Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,961Cash toward the purchase price.
Closing costs + prepaids$12,158Not just lender fees.
Before credits & paid funds$200,119The complete starting cash picture.
Estimated remaining funds due at closing
$200,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,961.16
Your down payment$187,961.16
Closing costs + prepaids$12,158.26
Total buyer cash needed$200,119.42
Remaining funds due$200,119.42
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)$626.25
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$663.01
Fees + prepaids$12,158.26
Your down payment is the seller’s equity. You take over the $247,039 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $200,119.42 is due at closing. Uses and sources reconcile at $447,158.26 each. Not a Closing Disclosure.