Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$232,517Cash toward the purchase price.
Closing costs + prepaids$11,644Not just lender fees.
Before credits & paid funds$244,161The complete starting cash picture.
Estimated remaining funds due at closing
$244,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,516.63
Your down payment$232,516.63
Closing costs + prepaids$11,644.47
Total buyer cash needed$244,161.11
Remaining funds due$244,161.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$420.75
Prepaid interest, first (31 days)$498.72
Fees + prepaids$11,644.47
Your down payment is the seller’s equity. You take over the $217,483 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $244,161.11 is due at closing. Uses and sources reconcile at $461,644.47 each. Not a Closing Disclosure.