Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$215,659Cash toward the purchase price.
Closing costs + prepaids$12,373Not just lender fees.
Before credits & paid funds$228,032The complete starting cash picture.
Estimated remaining funds due at closing
$228,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,659.02
Your down payment$215,659.02
Closing costs + prepaids$12,373.07
Total buyer cash needed$228,032.08
Remaining funds due$228,032.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,125.00
Prepaid interest, first (29 days)$523.17
Fees + prepaids$12,373.07
Your down payment is the seller’s equity. You take over the $234,331 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $228,032.08 is due at closing. Uses and sources reconcile at $462,363.07 each. Not a Closing Disclosure.