Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$224,559Cash toward the purchase price.
Closing costs + prepaids$11,179Not just lender fees.
Before credits & paid funds$235,738The complete starting cash picture.
Estimated remaining funds due at closing
$235,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,559.26
Your down payment$224,559.26
Closing costs + prepaids$11,178.63
Total buyer cash needed$235,737.89
Remaining funds due$235,737.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$356.75
Prepaid interest, first (30 days)$496.88
Fees + prepaids$11,178.63
Your down payment is the seller’s equity. You take over the $185,441 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $235,737.89 is due at closing. Uses and sources reconcile at $421,178.63 each. Not a Closing Disclosure.