Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,219Cash toward the purchase price.
Closing costs + prepaids$11,827Not just lender fees.
Before credits & paid funds$233,046The complete starting cash picture.
Estimated remaining funds due at closing
$233,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,219.40
Your down payment$221,219.40
Closing costs + prepaids$11,826.91
Total buyer cash needed$233,046.31
Remaining funds due$233,046.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$134.50
Prepaid interest, first (28 days)$1,067.41
Fees + prepaids$11,826.91
Your down payment is the seller’s equity. You take over the $218,781 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $233,046.31 is due at closing. Uses and sources reconcile at $451,826.91 each. Not a Closing Disclosure.