Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$209,849Cash toward the purchase price.
Closing costs + prepaids$12,310Not just lender fees.
Before credits & paid funds$222,159The complete starting cash picture.
Estimated remaining funds due at closing
$222,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,848.59
Your down payment$209,848.59
Closing costs + prepaids$12,309.99
Total buyer cash needed$222,158.59
Remaining funds due$222,158.59
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)$1,083.00
Prepaid interest, first (28 days)$551.99
Fees + prepaids$12,309.99
Your down payment is the seller’s equity. You take over the $235,151 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $222,158.59 is due at closing. Uses and sources reconcile at $457,309.99 each. Not a Closing Disclosure.