Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$201,062Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$213,447The complete starting cash picture.
Estimated remaining funds due at closing
$213,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,062.33
Your down payment$201,062.33
Closing costs + prepaids$12,384.44
Total buyer cash needed$213,446.77
Remaining funds due$213,446.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$488.75
Prepaid interest, first (26 days)$621.69
Fees + prepaids$12,384.44
Your down payment is the seller’s equity. You take over the $278,838 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $213,446.77 is due at closing. Uses and sources reconcile at $492,284.44 each. Not a Closing Disclosure.