Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$224,064Cash toward the purchase price.
Closing costs + prepaids$11,615Not just lender fees.
Before credits & paid funds$235,679The complete starting cash picture.
Estimated remaining funds due at closing
$235,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,064.39
Your down payment$224,064.39
Closing costs + prepaids$11,614.91
Total buyer cash needed$235,679.30
Remaining funds due$235,679.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$866.50
Prepaid interest, first (25 days)$473.41
Fees + prepaids$11,614.91
Your down payment is the seller’s equity. You take over the $180,936 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $235,679.30 is due at closing. Uses and sources reconcile at $416,614.91 each. Not a Closing Disclosure.