Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$9,439Cash toward the purchase price.
Closing costs + prepaids$11,925Not just lender fees.
Before credits & paid funds$21,364The complete starting cash picture.
Estimated remaining funds due at closing
$21,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,439.09
Your down payment$9,439.09
Closing costs + prepaids$11,924.51
Total buyer cash needed$21,363.60
Remaining funds due$21,363.60
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)$89.00
Initial HOA (3 months)$186.00
Prepaid interest, first (18 days)$1,074.51
Fees + prepaids$11,924.51
Your down payment is the seller’s equity. You take over the $425,561 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $21,363.60 is due at closing. Uses and sources reconcile at $446,924.51 each. Not a Closing Disclosure.