Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,713Cash toward the purchase price.
Closing costs + prepaids$14,942Not just lender fees.
Before credits & paid funds$40,655The complete starting cash picture.
Estimated remaining funds due at closing
$40,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,713.06
Your down payment$25,713.06
Closing costs + prepaids$14,941.58
Total buyer cash needed$40,654.64
Remaining funds due$40,654.64
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)$620.00
Initial HOA (3 months)$1,428.00
Prepaid interest, first (31 days)$2,318.58
Fees + prepaids$14,941.58
Your down payment is the seller’s equity. You take over the $409,287 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $40,654.64 is due at closing. Uses and sources reconcile at $449,941.58 each. Not a Closing Disclosure.