Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$54,073Cash toward the purchase price.
Closing costs + prepaids$12,648Not just lender fees.
Before credits & paid funds$66,722The complete starting cash picture.
Estimated remaining funds due at closing
$66,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,073.40
Your down payment$54,073.40
Closing costs + prepaids$12,648.32
Total buyer cash needed$66,721.73
Remaining funds due$66,721.73
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)$393.25
Initial HOA (3 months)$255.00
Prepaid interest, first (21 days)$1,475.07
Fees + prepaids$12,648.32
Your down payment is the seller’s equity. You take over the $375,927 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $66,721.73 is due at closing. Uses and sources reconcile at $442,648.32 each. Not a Closing Disclosure.