Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,305Cash toward the purchase price.
Closing costs + prepaids$13,628Not just lender fees.
Before credits & paid funds$109,934The complete starting cash picture.
Estimated remaining funds due at closing
$109,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,305.34
Your down payment$96,305.34
Closing costs + prepaids$13,628.35
Total buyer cash needed$109,933.69
Remaining funds due$109,933.69
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)$1,075.00
Initial HOA (3 months)$1,320.00
Prepaid interest, first (26 days)$708.35
Fees + prepaids$13,628.35
Your down payment is the seller’s equity. You take over the $333,695 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $109,933.69 is due at closing. Uses and sources reconcile at $443,628.35 each. Not a Closing Disclosure.