Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,109Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$251,918The complete starting cash picture.
Estimated remaining funds due at closing
$251,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,109.39
Your down payment$239,109.39
Closing costs + prepaids$12,808.82
Total buyer cash needed$251,918.20
Remaining funds due$251,918.20
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)$1,424.00
Initial HOA (3 months)$318.00
Prepaid interest, first (28 days)$541.82
Fees + prepaids$12,808.82
Your down payment is the seller’s equity. You take over the $190,891 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $251,918.20 is due at closing. Uses and sources reconcile at $442,808.82 each. Not a Closing Disclosure.