Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$198,256Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$210,008The complete starting cash picture.
Estimated remaining funds due at closing
$210,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,256.07
Your down payment$198,256.07
Closing costs + prepaids$11,751.73
Total buyer cash needed$210,007.80
Remaining funds due$210,007.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$544.75
Prepaid interest, first (10 days)$191.98
Fees + prepaids$11,751.73
Your down payment is the seller’s equity. You take over the $255,744 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $210,007.80 is due at closing. Uses and sources reconcile at $465,751.73 each. Not a Closing Disclosure.