Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$199,594Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$212,054The complete starting cash picture.
Estimated remaining funds due at closing
$212,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,594.39
Your down payment$199,594.39
Closing costs + prepaids$12,459.72
Total buyer cash needed$212,054.11
Remaining funds due$212,054.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,100.00
Prepaid interest, first (23 days)$734.72
Fees + prepaids$12,459.72
Your down payment is the seller’s equity. You take over the $240,406 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $212,054.11 is due at closing. Uses and sources reconcile at $452,459.72 each. Not a Closing Disclosure.