Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$81,328Cash toward the purchase price.
Closing costs + prepaids$12,445Not just lender fees.
Before credits & paid funds$93,772The complete starting cash picture.
Estimated remaining funds due at closing
$93,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,327.90
Your down payment$81,327.90
Closing costs + prepaids$12,444.54
Total buyer cash needed$93,772.44
Remaining funds due$93,772.44
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)$488.50
Initial HOA (3 months)$65.01
Prepaid interest, first (22 days)$1,366.03
Fees + prepaids$12,444.54
Your down payment is the seller’s equity. You take over the $348,672 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $93,772.44 is due at closing. Uses and sources reconcile at $442,444.54 each. Not a Closing Disclosure.