Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$191,320Cash toward the purchase price.
Closing costs + prepaids$11,207Not just lender fees.
Before credits & paid funds$202,527The complete starting cash picture.
Estimated remaining funds due at closing
$202,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,319.85
Your down payment$191,319.85
Closing costs + prepaids$11,206.92
Total buyer cash needed$202,526.77
Remaining funds due$202,526.77
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)$454.25
Initial HOA (3 months)$204.00
Prepaid interest, first (1 days)$23.67
Fees + prepaids$11,206.92
Your down payment is the seller’s equity. You take over the $238,680 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $202,526.77 is due at closing. Uses and sources reconcile at $441,206.92 each. Not a Closing Disclosure.