Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$152,020Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$163,630The complete starting cash picture.
Estimated remaining funds due at closing
$163,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,019.61
Your down payment$152,019.61
Closing costs + prepaids$11,610.56
Total buyer cash needed$163,630.16
Remaining funds due$163,630.16
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)$531.50
Prepaid interest, first (25 days)$554.06
Fees + prepaids$11,610.56
Your down payment is the seller’s equity. You take over the $277,980 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $163,630.16 is due at closing. Uses and sources reconcile at $441,610.56 each. Not a Closing Disclosure.