Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$202,485Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$214,073The complete starting cash picture.
Estimated remaining funds due at closing
$214,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,484.66
Your down payment$202,484.66
Closing costs + prepaids$11,588.55
Total buyer cash needed$214,073.20
Remaining funds due$214,073.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$561.25
Prepaid interest, first (17 days)$312.30
Fees + prepaids$11,588.55
Your down payment is the seller’s equity. You take over the $246,515 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $214,073.20 is due at closing. Uses and sources reconcile at $460,588.55 each. Not a Closing Disclosure.