Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$90,389Cash toward the purchase price.
Closing costs + prepaids$12,558Not just lender fees.
Before credits & paid funds$102,947The complete starting cash picture.
Estimated remaining funds due at closing
$102,947No 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$12,557.89
Total buyer cash needed$102,946.95
Remaining funds due$102,946.95
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 (19 days)$792.89
Fees + prepaids$12,557.89
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. $102,946.95 is due at closing. Uses and sources reconcile at $447,557.89 each. Not a Closing Disclosure.