Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,248Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$123,849The complete starting cash picture.
Estimated remaining funds due at closing
$123,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,248.21
Your down payment$111,248.21
Closing costs + prepaids$12,600.96
Total buyer cash needed$123,849.18
Remaining funds due$123,849.18
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)$381.25
Prepaid interest, first (31 days)$1,694.71
Fees + prepaids$12,600.96
Your down payment is the seller’s equity. You take over the $318,752 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $123,849.18 is due at closing. Uses and sources reconcile at $442,600.96 each. Not a Closing Disclosure.