Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$119,080Cash toward the purchase price.
Closing costs + prepaids$12,499Not just lender fees.
Before credits & paid funds$131,579The complete starting cash picture.
Estimated remaining funds due at closing
$131,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,079.60
Your down payment$119,079.60
Closing costs + prepaids$12,499.45
Total buyer cash needed$131,579.05
Remaining funds due$131,579.05
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)$676.25
Prepaid interest, first (24 days)$1,298.20
Fees + prepaids$12,499.45
Your down payment is the seller’s equity. You take over the $310,920 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $131,579.05 is due at closing. Uses and sources reconcile at $442,499.45 each. Not a Closing Disclosure.