Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$198,137Cash toward the purchase price.
Closing costs + prepaids$12,907Not just lender fees.
Before credits & paid funds$211,045The complete starting cash picture.
Estimated remaining funds due at closing
$211,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,137.48
Your down payment$198,137.48
Closing costs + prepaids$12,907.05
Total buyer cash needed$211,044.54
Remaining funds due$211,044.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Prepaid interest, first (25 days)$569.55
Fees + prepaids$12,907.05
Your down payment is the seller’s equity. You take over the $270,863 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $211,044.54 is due at closing. Uses and sources reconcile at $481,907.05 each. Not a Closing Disclosure.