Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$300,608Cash toward the purchase price.
Closing costs + prepaids$12,908Not just lender fees.
Before credits & paid funds$313,516The complete starting cash picture.
Estimated remaining funds due at closing
$313,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,608.22
Your down payment$300,608.22
Closing costs + prepaids$12,907.58
Total buyer cash needed$313,515.80
Remaining funds due$313,515.80
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)$1,281.75
Initial HOA (3 months)$632.01
Prepaid interest, first (25 days)$468.82
Fees + prepaids$12,907.58
Your down payment is the seller’s equity. You take over the $129,392 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $313,515.80 is due at closing. Uses and sources reconcile at $442,907.58 each. Not a Closing Disclosure.