Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$238,236Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$250,908The complete starting cash picture.
Estimated remaining funds due at closing
$250,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,235.66
Your down payment$238,235.66
Closing costs + prepaids$12,672.67
Total buyer cash needed$250,908.32
Remaining funds due$250,908.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,149.75
Prepaid interest, first (24 days)$448.92
Fees + prepaids$12,672.67
Your down payment is the seller’s equity. You take over the $221,664 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $250,908.32 is due at closing. Uses and sources reconcile at $472,572.67 each. Not a Closing Disclosure.