Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,073Cash toward the purchase price.
Closing costs + prepaids$13,351Not just lender fees.
Before credits & paid funds$67,424The complete starting cash picture.
Estimated remaining funds due at closing
$67,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,073.40
Your down payment$54,073.40
Closing costs + prepaids$13,350.74
Total buyer cash needed$67,424.14
Remaining funds due$67,424.14
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)$393.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$2,177.49
Fees + prepaids$13,350.74
Your down payment is the seller’s equity. You take over the $375,927 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $67,424.14 is due at closing. Uses and sources reconcile at $443,350.74 each. Not a Closing Disclosure.