Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$232,301Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$243,713The complete starting cash picture.
Estimated remaining funds due at closing
$243,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,301.00
Your down payment$232,301.00
Closing costs + prepaids$11,411.73
Total buyer cash needed$243,712.73
Remaining funds due$243,712.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$540.00
Prepaid interest, first (7 days)$147.73
Fees + prepaids$11,411.73
Your down payment is the seller’s equity. You take over the $217,599 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $243,712.73 is due at closing. Uses and sources reconcile at $461,311.73 each. Not a Closing Disclosure.