Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$256,153Cash toward the purchase price.
Closing costs + prepaids$11,401Not just lender fees.
Before credits & paid funds$267,554The complete starting cash picture.
Estimated remaining funds due at closing
$267,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,153.44
Your down payment$256,153.44
Closing costs + prepaids$11,400.66
Total buyer cash needed$267,554.09
Remaining funds due$267,554.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$547.50
Prepaid interest, first (17 days)$248.16
Fees + prepaids$11,400.66
Your down payment is the seller’s equity. You take over the $181,847 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $267,554.09 is due at closing. Uses and sources reconcile at $449,400.66 each. Not a Closing Disclosure.