Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,857Cash toward the purchase price.
Closing costs + prepaids$12,975Not just lender fees.
Before credits & paid funds$64,832The complete starting cash picture.
Estimated remaining funds due at closing
$64,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,857.02
Your down payment$51,857.02
Closing costs + prepaids$12,975.32
Total buyer cash needed$64,832.34
Remaining funds due$64,832.34
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)$374.00
Initial HOA (3 months)$144.99
Prepaid interest, first (26 days)$1,931.33
Fees + prepaids$12,975.32
Your down payment is the seller’s equity. You take over the $378,143 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $64,832.34 is due at closing. Uses and sources reconcile at $442,975.32 each. Not a Closing Disclosure.