Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$212,978Cash toward the purchase price.
Closing costs + prepaids$12,018Not just lender fees.
Before credits & paid funds$224,996The complete starting cash picture.
Estimated remaining funds due at closing
$224,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,978.25
Your down payment$212,978.25
Closing costs + prepaids$12,017.58
Total buyer cash needed$224,995.83
Remaining funds due$224,995.83
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)$461.25
Initial HOA (3 months)$459.00
Prepaid interest, first (31 days)$522.33
Fees + prepaids$12,017.58
Your down payment is the seller’s equity. You take over the $222,022 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $224,995.83 is due at closing. Uses and sources reconcile at $447,017.58 each. Not a Closing Disclosure.