Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$240,493Cash toward the purchase price.
Closing costs + prepaids$11,847Not just lender fees.
Before credits & paid funds$252,340The complete starting cash picture.
Estimated remaining funds due at closing
$252,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,492.88
Your down payment$240,492.88
Closing costs + prepaids$11,847.21
Total buyer cash needed$252,340.10
Remaining funds due$252,340.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$531.00
Prepaid interest, first (25 days)$591.21
Fees + prepaids$11,847.21
Your down payment is the seller’s equity. You take over the $209,507 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $252,340.10 is due at closing. Uses and sources reconcile at $461,847.21 each. Not a Closing Disclosure.