Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$224,068Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$235,982The complete starting cash picture.
Estimated remaining funds due at closing
$235,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,067.62
Your down payment$224,067.62
Closing costs + prepaids$11,914.00
Total buyer cash needed$235,981.62
Remaining funds due$235,981.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,058.75
Prepaid interest, first (22 days)$331.25
Fees + prepaids$11,914.00
Your down payment is the seller’s equity. You take over the $205,832 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $235,981.62 is due at closing. Uses and sources reconcile at $441,814.00 each. Not a Closing Disclosure.