Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$198,256Cash toward the purchase price.
Closing costs + prepaids$11,737Not just lender fees.
Before credits & paid funds$209,993The complete starting cash picture.
Estimated remaining funds due at closing
$209,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,256.07
Your down payment$198,256.07
Closing costs + prepaids$11,736.96
Total buyer cash needed$209,993.03
Remaining funds due$209,993.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$242.00
Prepaid interest, first (25 days)$479.96
Fees + prepaids$11,736.96
Your down payment is the seller’s equity. You take over the $255,744 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $209,993.03 is due at closing. Uses and sources reconcile at $465,736.96 each. Not a Closing Disclosure.