Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$434,999Cash toward the purchase price.
Closing costs + prepaids$11,097Not just lender fees.
Before credits & paid funds$446,096The complete starting cash picture.
Estimated remaining funds due at closing
$446,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$434,999.14
Your down payment$434,999.14
Closing costs + prepaids$11,097.00
Total buyer cash needed$446,096.14
Remaining funds due$446,096.14
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)$522.00
Prepaid interest, first (6 days)$0.00
Fees + prepaids$11,097.00
Your down payment is the seller’s equity. You take over the $1 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $446,096.14 is due at closing. Uses and sources reconcile at $446,097.00 each. Not a Closing Disclosure.