Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$233,934Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$245,191The complete starting cash picture.
Estimated remaining funds due at closing
$245,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,934.15
Your down payment$233,934.15
Closing costs + prepaids$11,256.64
Total buyer cash needed$245,190.79
Remaining funds due$245,190.79
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)$381.25
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$45.39
Fees + prepaids$11,256.64
Your down payment is the seller’s equity. You take over the $201,066 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $245,190.79 is due at closing. Uses and sources reconcile at $446,256.64 each. Not a Closing Disclosure.