Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$241,150Cash toward the purchase price.
Closing costs + prepaids$12,249Not just lender fees.
Before credits & paid funds$253,400The complete starting cash picture.
Estimated remaining funds due at closing
$253,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,150.47
Your down payment$241,150.47
Closing costs + prepaids$12,249.29
Total buyer cash needed$253,399.75
Remaining funds due$253,399.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$561.75
Prepaid interest, first (26 days)$962.54
Fees + prepaids$12,249.29
Your down payment is the seller’s equity. You take over the $208,850 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $253,399.75 is due at closing. Uses and sources reconcile at $462,249.29 each. Not a Closing Disclosure.