Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$223,498Cash toward the purchase price.
Closing costs + prepaids$12,500Not just lender fees.
Before credits & paid funds$235,998The complete starting cash picture.
Estimated remaining funds due at closing
$235,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,497.66
Your down payment$223,497.66
Closing costs + prepaids$12,500.44
Total buyer cash needed$235,998.10
Remaining funds due$235,998.10
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)$1,043.00
Prepaid interest, first (29 days)$732.44
Fees + prepaids$12,500.44
Your down payment is the seller’s equity. You take over the $226,502 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $235,998.10 is due at closing. Uses and sources reconcile at $462,500.44 each. Not a Closing Disclosure.