Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$119,080Cash toward the purchase price.
Closing costs + prepaids$11,690Not just lender fees.
Before credits & paid funds$130,770The complete starting cash picture.
Estimated remaining funds due at closing
$130,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,079.60
Your down payment$119,079.60
Closing costs + prepaids$11,690.10
Total buyer cash needed$130,769.70
Remaining funds due$130,769.70
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
Prepaid interest, first (12 days)$649.10
Fees + prepaids$11,690.10
Your down payment is the seller’s equity. You take over the $310,920 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $130,769.70 is due at closing. Uses and sources reconcile at $441,690.10 each. Not a Closing Disclosure.