Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,428Cash toward the purchase price.
Closing costs + prepaids$11,796Not just lender fees.
Before credits & paid funds$168,223The complete starting cash picture.
Estimated remaining funds due at closing
$168,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,427.85
Your down payment$156,427.85
Closing costs + prepaids$11,795.59
Total buyer cash needed$168,223.44
Remaining funds due$168,223.44
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)$465.50
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$625.09
Fees + prepaids$11,795.59
Your down payment is the seller’s equity. You take over the $273,572 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $168,223.44 is due at closing. Uses and sources reconcile at $441,795.59 each. Not a Closing Disclosure.