Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$231,991Cash toward the purchase price.
Closing costs + prepaids$12,163Not just lender fees.
Before credits & paid funds$244,154The complete starting cash picture.
Estimated remaining funds due at closing
$244,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,991.26
Your down payment$231,991.26
Closing costs + prepaids$12,162.83
Total buyer cash needed$244,154.09
Remaining funds due$244,154.09
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)$562.83
Fees + prepaids$12,162.83
Your down payment is the seller’s equity. You take over the $198,009 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $244,154.09 is due at closing. Uses and sources reconcile at $442,162.83 each. Not a Closing Disclosure.