Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$235,497Cash toward the purchase price.
Closing costs + prepaids$12,060Not just lender fees.
Before credits & paid funds$247,556The complete starting cash picture.
Estimated remaining funds due at closing
$247,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,496.82
Your down payment$235,496.82
Closing costs + prepaids$12,059.61
Total buyer cash needed$247,556.42
Remaining funds due$247,556.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$957.75
Prepaid interest, first (23 days)$477.86
Fees + prepaids$12,059.61
Your down payment is the seller’s equity. You take over the $204,403 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $247,556.42 is due at closing. Uses and sources reconcile at $451,959.61 each. Not a Closing Disclosure.