Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$269,423Cash toward the purchase price.
Closing costs + prepaids$11,973Not just lender fees.
Before credits & paid funds$281,396The complete starting cash picture.
Estimated remaining funds due at closing
$281,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,423.00
Your down payment$269,423.00
Closing costs + prepaids$11,973.50
Total buyer cash needed$281,396.49
Remaining funds due$281,396.49
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)$552.25
Initial HOA (3 months)$378.00
Prepaid interest, first (31 days)$518.25
Fees + prepaids$11,973.50
Your down payment is the seller’s equity. You take over the $160,577 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $281,396.49 is due at closing. Uses and sources reconcile at $441,973.50 each. Not a Closing Disclosure.