Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$159,148Cash toward the purchase price.
Closing costs + prepaids$12,194Not just lender fees.
Before credits & paid funds$171,342The complete starting cash picture.
Estimated remaining funds due at closing
$171,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,147.81
Your down payment$159,147.81
Closing costs + prepaids$12,194.20
Total buyer cash needed$171,342.01
Remaining funds due$171,342.01
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)$454.00
Prepaid interest, first (23 days)$1,215.20
Fees + prepaids$12,194.20
Your down payment is the seller’s equity. You take over the $270,852 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $171,342.01 is due at closing. Uses and sources reconcile at $442,194.20 each. Not a Closing Disclosure.