Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$180,445Cash toward the purchase price.
Closing costs + prepaids$11,070Not just lender fees.
Before credits & paid funds$191,515The complete starting cash picture.
Estimated remaining funds due at closing
$191,515No 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$11,070.38
Total buyer cash needed$191,515.09
Remaining funds due$191,515.09
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 (1 days)$25.63
Fees + prepaids$11,070.38
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. $191,515.09 is due at closing. Uses and sources reconcile at $440,970.38 each. Not a Closing Disclosure.