Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$180,445Cash toward the purchase price.
Closing costs + prepaids$11,096Not just lender fees.
Before credits & paid funds$191,541The complete starting cash picture.
Estimated remaining funds due at closing
$191,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,444.72
Your down payment$180,444.72
Closing costs + prepaids$11,096.01
Total buyer cash needed$191,540.72
Remaining funds due$191,540.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$520.75
Prepaid interest, first (2 days)$51.26
Fees + prepaids$11,096.01
Your down payment is the seller’s equity. You take over the $249,455 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $191,540.72 is due at closing. Uses and sources reconcile at $440,996.01 each. Not a Closing Disclosure.