Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$229,512Cash toward the purchase price.
Closing costs + prepaids$11,090Not just lender fees.
Before credits & paid funds$240,603The complete starting cash picture.
Estimated remaining funds due at closing
$240,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,512.05
Your down payment$229,512.05
Closing costs + prepaids$11,090.48
Total buyer cash needed$240,602.53
Remaining funds due$240,602.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,129.90
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)$495.50
Prepaid interest, first (12 days)$240.08
Fees + prepaids$11,090.48
Your down payment is the seller’s equity. You take over the $183,478 balance, so the rest of the $412,990 price is paid at closing. A second mortgage can cover part of it. $240,602.53 is due at closing. Uses and sources reconcile at $424,080.48 each. Not a Closing Disclosure.