Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$81,328Cash toward the purchase price.
Closing costs + prepaids$12,941Not just lender fees.
Before credits & paid funds$94,269The complete starting cash picture.
Estimated remaining funds due at closing
$94,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,327.90
Your down payment$81,327.90
Closing costs + prepaids$12,941.28
Total buyer cash needed$94,269.18
Remaining funds due$94,269.18
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)$488.50
Initial HOA (3 months)$65.01
Prepaid interest, first (30 days)$1,862.77
Fees + prepaids$12,941.28
Your down payment is the seller’s equity. You take over the $348,672 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $94,269.18 is due at closing. Uses and sources reconcile at $442,941.28 each. Not a Closing Disclosure.