Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,022Cash toward the purchase price.
Closing costs + prepaids$10,847Not just lender fees.
Before credits & paid funds$139,869The complete starting cash picture.
Estimated remaining funds due at closing
$139,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,022.05
Your down payment$129,022.05
Closing costs + prepaids$10,846.81
Total buyer cash needed$139,868.87
Remaining funds due$139,868.87
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)$265.00
Prepaid interest, first (1 days)$56.81
Fees + prepaids$10,846.81
Your down payment is the seller’s equity. You take over the $300,978 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $139,868.87 is due at closing. Uses and sources reconcile at $440,846.81 each. Not a Closing Disclosure.