Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$223,877Cash toward the purchase price.
Closing costs + prepaids$11,274Not just lender fees.
Before credits & paid funds$235,151The complete starting cash picture.
Estimated remaining funds due at closing
$235,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,876.90
Your down payment$223,876.90
Closing costs + prepaids$11,274.44
Total buyer cash needed$235,151.34
Remaining funds due$235,151.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.90
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)$312.25
Prepaid interest, first (24 days)$387.29
Fees + prepaids$11,274.44
Your down payment is the seller’s equity. You take over the $211,113 balance, so the rest of the $434,990 price is paid at closing. A second mortgage can cover part of it. $235,151.34 is due at closing. Uses and sources reconcile at $446,264.44 each. Not a Closing Disclosure.