Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$231,031Cash toward the purchase price.
Closing costs + prepaids$12,420Not just lender fees.
Before credits & paid funds$243,451The complete starting cash picture.
Estimated remaining funds due at closing
$243,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,030.66
Your down payment$231,030.66
Closing costs + prepaids$12,419.86
Total buyer cash needed$243,450.52
Remaining funds due$243,450.52
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)$1,125.00
Prepaid interest, first (23 days)$569.86
Fees + prepaids$12,419.86
Your down payment is the seller’s equity. You take over the $218,969 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $243,450.52 is due at closing. Uses and sources reconcile at $462,419.86 each. Not a Closing Disclosure.