Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$129,302Cash toward the purchase price.
Closing costs + prepaids$11,552Not just lender fees.
Before credits & paid funds$140,854The complete starting cash picture.
Estimated remaining funds due at closing
$140,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,302.27
Your down payment$129,302.27
Closing costs + prepaids$11,551.86
Total buyer cash needed$140,854.13
Remaining funds due$140,854.13
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)$516.00
Prepaid interest, first (9 days)$510.86
Fees + prepaids$11,551.86
Your down payment is the seller’s equity. You take over the $300,698 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $140,854.13 is due at closing. Uses and sources reconcile at $441,551.86 each. Not a Closing Disclosure.