Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$272,067Cash toward the purchase price.
Closing costs + prepaids$11,193Not just lender fees.
Before credits & paid funds$283,260The complete starting cash picture.
Estimated remaining funds due at closing
$283,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,067.49
Your down payment$272,067.49
Closing costs + prepaids$11,192.72
Total buyer cash needed$283,260.21
Remaining funds due$283,260.21
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)$314.25
Prepaid interest, first (21 days)$353.47
Fees + prepaids$11,192.72
Your down payment is the seller’s equity. You take over the $157,933 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $283,260.21 is due at closing. Uses and sources reconcile at $441,192.72 each. Not a Closing Disclosure.