Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$233,024Cash toward the purchase price.
Closing costs + prepaids$12,000Not just lender fees.
Before credits & paid funds$245,024The complete starting cash picture.
Estimated remaining funds due at closing
$245,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,023.74
Your down payment$233,023.74
Closing costs + prepaids$12,000.12
Total buyer cash needed$245,023.85
Remaining funds due$245,023.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$852.75
Prepaid interest, first (27 days)$523.37
Fees + prepaids$12,000.12
Your down payment is the seller’s equity. You take over the $206,876 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $245,023.85 is due at closing. Uses and sources reconcile at $451,900.12 each. Not a Closing Disclosure.