Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$220,372Cash toward the purchase price.
Closing costs + prepaids$12,160Not just lender fees.
Before credits & paid funds$232,532The complete starting cash picture.
Estimated remaining funds due at closing
$232,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,372.01
Your down payment$220,372.01
Closing costs + prepaids$12,160.10
Total buyer cash needed$232,532.12
Remaining funds due$232,532.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$400.00
Prepaid interest, first (22 days)$485.11
Fees + prepaids$12,160.10
Your down payment is the seller’s equity. You take over the $259,627 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $232,532.12 is due at closing. Uses and sources reconcile at $492,159.10 each. Not a Closing Disclosure.