Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$275,246Cash toward the purchase price.
Closing costs + prepaids$11,405Not just lender fees.
Before credits & paid funds$286,651The complete starting cash picture.
Estimated remaining funds due at closing
$286,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,245.56
Your down payment$275,245.56
Closing costs + prepaids$11,405.14
Total buyer cash needed$286,650.70
Remaining funds due$286,650.70
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)$633.00
Initial HOA (3 months)$210.00
Prepaid interest, first (2 days)$37.14
Fees + prepaids$11,405.14
Your down payment is the seller’s equity. You take over the $154,754 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $286,650.70 is due at closing. Uses and sources reconcile at $441,405.14 each. Not a Closing Disclosure.