Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$97,026Cash toward the purchase price.
Closing costs + prepaids$14,156Not just lender fees.
Before credits & paid funds$111,182The complete starting cash picture.
Estimated remaining funds due at closing
$111,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,026.02
Your down payment$97,026.02
Closing costs + prepaids$14,155.85
Total buyer cash needed$111,181.87
Remaining funds due$111,181.87
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)$1,075.00
Initial HOA (3 months)$1,500.00
Prepaid interest, first (18 days)$1,055.85
Fees + prepaids$14,155.85
Your down payment is the seller’s equity. You take over the $332,974 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $111,181.87 is due at closing. Uses and sources reconcile at $444,155.85 each. Not a Closing Disclosure.