Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$202,172Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$213,970The complete starting cash picture.
Estimated remaining funds due at closing
$213,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,172.24
Your down payment$202,172.24
Closing costs + prepaids$11,797.86
Total buyer cash needed$213,970.10
Remaining funds due$213,970.10
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)$540.00
Prepaid interest, first (12 days)$532.86
Fees + prepaids$11,797.86
Your down payment is the seller’s equity. You take over the $247,828 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $213,970.10 is due at closing. Uses and sources reconcile at $461,797.86 each. Not a Closing Disclosure.