Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$306,125Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$317,658The complete starting cash picture.
Estimated remaining funds due at closing
$317,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,125.44
Your down payment$306,125.44
Closing costs + prepaids$11,532.88
Total buyer cash needed$317,658.32
Remaining funds due$317,658.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$623.50
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$259.38
Fees + prepaids$11,532.88
Your down payment is the seller’s equity. You take over the $122,875 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $317,658.32 is due at closing. Uses and sources reconcile at $440,532.88 each. Not a Closing Disclosure.