Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$420,356Cash toward the purchase price.
Closing costs + prepaids$10,918Not just lender fees.
Before credits & paid funds$431,274The complete starting cash picture.
Estimated remaining funds due at closing
$431,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,355.65
Your down payment$420,355.65
Closing costs + prepaids$10,917.98
Total buyer cash needed$431,273.63
Remaining funds due$431,273.63
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)$352.25
Prepaid interest, first (21 days)$40.73
Fees + prepaids$10,917.98
Your down payment is the seller’s equity. You take over the $9,644 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $431,273.63 is due at closing. Uses and sources reconcile at $440,917.98 each. Not a Closing Disclosure.