Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$256,753Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$268,183The complete starting cash picture.
Estimated remaining funds due at closing
$268,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,752.85
Your down payment$256,752.85
Closing costs + prepaids$11,430.06
Total buyer cash needed$268,182.91
Remaining funds due$268,182.91
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)$245.50
Prepaid interest, first (28 days)$459.56
Fees + prepaids$11,430.06
Your down payment is the seller’s equity. You take over the $193,247 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $268,182.91 is due at closing. Uses and sources reconcile at $461,430.06 each. Not a Closing Disclosure.