Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$241,859Cash toward the purchase price.
Closing costs + prepaids$11,776Not just lender fees.
Before credits & paid funds$253,635The complete starting cash picture.
Estimated remaining funds due at closing
$253,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,858.98
Your down payment$241,858.98
Closing costs + prepaids$11,775.95
Total buyer cash needed$253,634.92
Remaining funds due$253,634.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,519.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$565.00
Prepaid interest, first (13 days)$216.95
Fees + prepaids$11,775.95
Your down payment is the seller’s equity. You take over the $210,041 balance, so the rest of the $451,900 price is paid at closing. A second mortgage can cover part of it. $253,634.92 is due at closing. Uses and sources reconcile at $463,675.95 each. Not a Closing Disclosure.