Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$231,450Cash toward the purchase price.
Closing costs + prepaids$13,114Not just lender fees.
Before credits & paid funds$244,564The complete starting cash picture.
Estimated remaining funds due at closing
$244,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,449.67
Your down payment$231,449.67
Closing costs + prepaids$13,114.44
Total buyer cash needed$244,564.11
Remaining funds due$244,564.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,423.75
Prepaid interest, first (24 days)$966.69
Fees + prepaids$13,114.44
Your down payment is the seller’s equity. You take over the $218,450 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $244,564.11 is due at closing. Uses and sources reconcile at $463,014.44 each. Not a Closing Disclosure.