Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,302Cash toward the purchase price.
Closing costs + prepaids$12,379Not just lender fees.
Before credits & paid funds$141,682The complete starting cash picture.
Estimated remaining funds due at closing
$141,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,302.27
Your down payment$129,302.27
Closing costs + prepaids$12,379.33
Total buyer cash needed$141,681.60
Remaining funds due$141,681.60
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)$265.00
Prepaid interest, first (28 days)$1,589.33
Fees + prepaids$12,379.33
Your down payment is the seller’s equity. You take over the $300,698 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $141,681.60 is due at closing. Uses and sources reconcile at $442,379.33 each. Not a Closing Disclosure.