Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$252,738Cash toward the purchase price.
Closing costs + prepaids$11,553Not just lender fees.
Before credits & paid funds$264,291The complete starting cash picture.
Estimated remaining funds due at closing
$264,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,737.51
Your down payment$252,737.51
Closing costs + prepaids$11,553.06
Total buyer cash needed$264,290.57
Remaining funds due$264,290.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$367.25
Prepaid interest, first (22 days)$470.81
Fees + prepaids$11,553.06
Your down payment is the seller’s equity. You take over the $196,262 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $264,290.57 is due at closing. Uses and sources reconcile at $460,553.06 each. Not a Closing Disclosure.