Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$197,998Cash toward the purchase price.
Closing costs + prepaids$12,040Not just lender fees.
Before credits & paid funds$210,038The complete starting cash picture.
Estimated remaining funds due at closing
$210,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,997.73
Your down payment$197,997.73
Closing costs + prepaids$12,040.46
Total buyer cash needed$210,038.20
Remaining funds due$210,038.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$470.50
Prepaid interest, first (24 days)$495.96
Fees + prepaids$12,040.46
Your down payment is the seller’s equity. You take over the $261,902 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $210,038.20 is due at closing. Uses and sources reconcile at $471,940.46 each. Not a Closing Disclosure.