Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$196,348Cash toward the purchase price.
Closing costs + prepaids$11,194Not just lender fees.
Before credits & paid funds$207,542The complete starting cash picture.
Estimated remaining funds due at closing
$207,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,347.87
Your down payment$196,347.87
Closing costs + prepaids$11,193.67
Total buyer cash needed$207,541.54
Remaining funds due$207,541.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$543.50
Prepaid interest, first (1 days)$25.17
Fees + prepaids$11,193.67
Your down payment is the seller’s equity. You take over the $243,652 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $207,541.54 is due at closing. Uses and sources reconcile at $451,193.67 each. Not a Closing Disclosure.