Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$222,184Cash toward the purchase price.
Closing costs + prepaids$12,232Not just lender fees.
Before credits & paid funds$234,416The complete starting cash picture.
Estimated remaining funds due at closing
$234,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,184.12
Your down payment$222,184.12
Closing costs + prepaids$12,231.75
Total buyer cash needed$234,415.86
Remaining funds due$234,415.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,475.00
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)$1,170.50
Prepaid interest, first (22 days)$361.25
Fees + prepaids$12,231.75
Your down payment is the seller’s equity. You take over the $225,316 balance, so the rest of the $447,500 price is paid at closing. A second mortgage can cover part of it. $234,415.86 is due at closing. Uses and sources reconcile at $459,731.75 each. Not a Closing Disclosure.