Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$301,773Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$313,060The complete starting cash picture.
Estimated remaining funds due at closing
$313,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,772.54
Your down payment$301,772.54
Closing costs + prepaids$11,287.51
Total buyer cash needed$313,060.04
Remaining funds due$313,060.04
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)$585.00
Initial HOA (3 months)$114.00
Prepaid interest, first (1 days)$13.51
Fees + prepaids$11,287.51
Your down payment is the seller’s equity. You take over the $133,227 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $313,060.04 is due at closing. Uses and sources reconcile at $446,287.51 each. Not a Closing Disclosure.