Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$245,699Cash toward the purchase price.
Closing costs + prepaids$11,912Not just lender fees.
Before credits & paid funds$257,611The complete starting cash picture.
Estimated remaining funds due at closing
$257,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,698.87
Your down payment$245,698.87
Closing costs + prepaids$11,912.38
Total buyer cash needed$257,611.25
Remaining funds due$257,611.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$400.00
Prepaid interest, first (18 days)$438.38
Fees + prepaids$11,912.38
Your down payment is the seller’s equity. You take over the $214,201 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $257,611.25 is due at closing. Uses and sources reconcile at $471,812.38 each. Not a Closing Disclosure.