Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$219,396Cash toward the purchase price.
Closing costs + prepaids$11,186Not just lender fees.
Before credits & paid funds$230,582The complete starting cash picture.
Estimated remaining funds due at closing
$230,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,396.00
Your down payment$219,396.00
Closing costs + prepaids$11,186.38
Total buyer cash needed$230,582.38
Remaining funds due$230,582.38
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)$280.50
Prepaid interest, first (23 days)$380.88
Fees + prepaids$11,186.38
Your down payment is the seller’s equity. You take over the $210,604 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $230,582.38 is due at closing. Uses and sources reconcile at $441,186.38 each. Not a Closing Disclosure.