Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$177,355Cash toward the purchase price.
Closing costs + prepaids$11,441Not just lender fees.
Before credits & paid funds$188,796The complete starting cash picture.
Estimated remaining funds due at closing
$188,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,355.17
Your down payment$177,355.17
Closing costs + prepaids$11,441.17
Total buyer cash needed$188,796.35
Remaining funds due$188,796.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$251.75
Prepaid interest, first (29 days)$664.42
Fees + prepaids$11,441.17
Your down payment is the seller’s equity. You take over the $252,645 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $188,796.35 is due at closing. Uses and sources reconcile at $441,441.17 each. Not a Closing Disclosure.