Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$234,048Cash toward the purchase price.
Closing costs + prepaids$12,114Not just lender fees.
Before credits & paid funds$246,162The complete starting cash picture.
Estimated remaining funds due at closing
$246,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,048.43
Your down payment$234,048.43
Closing costs + prepaids$12,113.69
Total buyer cash needed$246,162.12
Remaining funds due$246,162.12
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)$683.00
Initial HOA (3 months)$294.00
Prepaid interest, first (27 days)$611.69
Fees + prepaids$12,113.69
Your down payment is the seller’s equity. You take over the $195,952 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $246,162.12 is due at closing. Uses and sources reconcile at $442,113.69 each. Not a Closing Disclosure.