Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$90,389Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$103,030The complete starting cash picture.
Estimated remaining funds due at closing
$103,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,389.06
Your down payment$90,389.06
Closing costs + prepaids$12,641.35
Total buyer cash needed$103,030.41
Remaining funds due$103,030.41
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)$773.00
Initial HOA (3 months)$417.00
Prepaid interest, first (21 days)$876.35
Fees + prepaids$12,641.35
Your down payment is the seller’s equity. You take over the $344,611 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $103,030.41 is due at closing. Uses and sources reconcile at $447,641.35 each. Not a Closing Disclosure.