Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$238,289Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$250,450The complete starting cash picture.
Estimated remaining funds due at closing
$250,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,289.16
Your down payment$238,289.16
Closing costs + prepaids$12,160.55
Total buyer cash needed$250,449.72
Remaining funds due$250,449.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,495.00
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)$1,057.25
Prepaid interest, first (23 days)$383.30
Fees + prepaids$12,160.55
Your down payment is the seller’s equity. You take over the $211,211 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $250,449.72 is due at closing. Uses and sources reconcile at $461,660.55 each. Not a Closing Disclosure.