Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,547Cash toward the purchase price.
Closing costs + prepaids$12,941Not just lender fees.
Before credits & paid funds$246,489The complete starting cash picture.
Estimated remaining funds due at closing
$246,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,547.43
Your down payment$233,547.43
Closing costs + prepaids$12,941.46
Total buyer cash needed$246,488.89
Remaining funds due$246,488.89
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)$973.00
Prepaid interest, first (31 days)$1,253.46
Fees + prepaids$12,941.46
Your down payment is the seller’s equity. You take over the $215,453 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $246,488.89 is due at closing. Uses and sources reconcile at $461,941.46 each. Not a Closing Disclosure.