Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,287Cash toward the purchase price.
Closing costs + prepaids$11,425Not just lender fees.
Before credits & paid funds$254,712The complete starting cash picture.
Estimated remaining funds due at closing
$254,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,287.01
Your down payment$243,287.01
Closing costs + prepaids$11,425.29
Total buyer cash needed$254,712.30
Remaining funds due$254,712.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$210.25
Prepaid interest, first (28 days)$540.04
Fees + prepaids$11,425.29
Your down payment is the seller’s equity. You take over the $201,713 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $254,712.30 is due at closing. Uses and sources reconcile at $456,425.29 each. Not a Closing Disclosure.