Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,132Cash toward the purchase price.
Closing costs + prepaids$12,741Not just lender fees.
Before credits & paid funds$180,873The complete starting cash picture.
Estimated remaining funds due at closing
$180,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,131.69
Your down payment$168,131.69
Closing costs + prepaids$12,740.96
Total buyer cash needed$180,872.65
Remaining funds due$180,872.65
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)$1,075.00
Prepaid interest, first (31 days)$1,140.96
Fees + prepaids$12,740.96
Your down payment is the seller’s equity. You take over the $261,868 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $180,872.65 is due at closing. Uses and sources reconcile at $442,740.96 each. Not a Closing Disclosure.