Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$223,502Cash toward the purchase price.
Closing costs + prepaids$10,969Not just lender fees.
Before credits & paid funds$234,471The complete starting cash picture.
Estimated remaining funds due at closing
$234,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,502.47
Your down payment$223,502.47
Closing costs + prepaids$10,968.58
Total buyer cash needed$234,471.05
Remaining funds due$234,471.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$490.75
Prepaid interest, first (12 days)$162.83
Fees + prepaids$10,968.58
Your down payment is the seller’s equity. You take over the $185,498 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $234,471.05 is due at closing. Uses and sources reconcile at $419,968.58 each. Not a Closing Disclosure.