Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$186,770Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$198,066The complete starting cash picture.
Estimated remaining funds due at closing
$198,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,770.46
Your down payment$186,770.46
Closing costs + prepaids$11,295.05
Total buyer cash needed$198,065.51
Remaining funds due$198,065.51
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)$727.00
Prepaid interest, first (2 days)$43.05
Fees + prepaids$11,295.05
Your down payment is the seller’s equity. You take over the $243,230 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $198,065.51 is due at closing. Uses and sources reconcile at $441,295.05 each. Not a Closing Disclosure.