Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$291,157Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$303,152The complete starting cash picture.
Estimated remaining funds due at closing
$303,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,156.97
Your down payment$291,156.97
Closing costs + prepaids$11,994.66
Total buyer cash needed$303,151.62
Remaining funds due$303,151.62
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
Prepaid interest, first (25 days)$394.66
Fees + prepaids$11,994.66
Your down payment is the seller’s equity. You take over the $138,843 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $303,151.62 is due at closing. Uses and sources reconcile at $441,994.66 each. Not a Closing Disclosure.