Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$227,414Cash toward the purchase price.
Closing costs + prepaids$13,333Not just lender fees.
Before credits & paid funds$240,747The complete starting cash picture.
Estimated remaining funds due at closing
$240,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,414.24
Your down payment$227,414.24
Closing costs + prepaids$13,332.53
Total buyer cash needed$240,746.77
Remaining funds due$240,746.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,330.25
Prepaid interest, first (24 days)$877.78
Fees + prepaids$13,332.53
Your down payment is the seller’s equity. You take over the $237,536 balance, so the rest of the $464,950 price is paid at closing. A second mortgage can cover part of it. $240,746.77 is due at closing. Uses and sources reconcile at $478,282.53 each. Not a Closing Disclosure.