Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$275,244Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$286,924The complete starting cash picture.
Estimated remaining funds due at closing
$286,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,243.56
Your down payment$275,243.56
Closing costs + prepaids$11,680.86
Total buyer cash needed$286,924.42
Remaining funds due$286,924.42
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)$1,096.50
Prepaid interest, first (4 days)$59.36
Fees + prepaids$11,680.86
Your down payment is the seller’s equity. You take over the $154,756 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $286,924.42 is due at closing. Uses and sources reconcile at $441,680.86 each. Not a Closing Disclosure.