Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,553Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$211,207The complete starting cash picture.
Estimated remaining funds due at closing
$211,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,552.78
Your down payment$198,552.78
Closing costs + prepaids$12,654.05
Total buyer cash needed$211,206.83
Remaining funds due$211,206.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$1,112.50
Prepaid interest, first (31 days)$866.55
Fees + prepaids$12,654.05
Your down payment is the seller’s equity. You take over the $246,447 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $211,206.83 is due at closing. Uses and sources reconcile at $457,654.05 each. Not a Closing Disclosure.