Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$269,348Cash toward the purchase price.
Closing costs + prepaids$11,609Not just lender fees.
Before credits & paid funds$280,957The complete starting cash picture.
Estimated remaining funds due at closing
$280,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,348.40
Your down payment$269,348.40
Closing costs + prepaids$11,609.08
Total buyer cash needed$280,957.48
Remaining funds due$280,957.48
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)$810.75
Prepaid interest, first (23 days)$273.33
Fees + prepaids$11,609.08
Your down payment is the seller’s equity. You take over the $160,652 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $280,957.48 is due at closing. Uses and sources reconcile at $441,609.08 each. Not a Closing Disclosure.