Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$123,267Cash toward the purchase price.
Closing costs + prepaids$12,090Not just lender fees.
Before credits & paid funds$135,357The complete starting cash picture.
Estimated remaining funds due at closing
$135,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,267.15
Your down payment$123,267.15
Closing costs + prepaids$12,090.25
Total buyer cash needed$135,357.40
Remaining funds due$135,357.40
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)$516.00
Initial HOA (3 months)$780.00
Prepaid interest, first (9 days)$269.25
Fees + prepaids$12,090.25
Your down payment is the seller’s equity. You take over the $306,733 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $135,357.40 is due at closing. Uses and sources reconcile at $442,090.25 each. Not a Closing Disclosure.