Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$343,419Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$354,679The complete starting cash picture.
Estimated remaining funds due at closing
$354,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,419.22
Your down payment$343,419.22
Closing costs + prepaids$11,259.87
Total buyer cash needed$354,679.09
Remaining funds due$354,679.09
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)$537.50
Initial HOA (3 months)$189.00
Prepaid interest, first (1 days)$8.37
Fees + prepaids$11,259.87
Your down payment is the seller’s equity. You take over the $86,581 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $354,679.09 is due at closing. Uses and sources reconcile at $441,259.87 each. Not a Closing Disclosure.