Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$219,137Cash toward the purchase price.
Closing costs + prepaids$11,867Not just lender fees.
Before credits & paid funds$231,005The complete starting cash picture.
Estimated remaining funds due at closing
$231,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,137.27
Your down payment$219,137.27
Closing costs + prepaids$11,867.25
Total buyer cash needed$231,004.52
Remaining funds due$231,004.52
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)$230.50
Prepaid interest, first (31 days)$911.75
Fees + prepaids$11,867.25
Your down payment is the seller’s equity. You take over the $230,863 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $231,004.52 is due at closing. Uses and sources reconcile at $461,867.25 each. Not a Closing Disclosure.