Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$221,257Cash toward the purchase price.
Closing costs + prepaids$12,022Not just lender fees.
Before credits & paid funds$233,278The complete starting cash picture.
Estimated remaining funds due at closing
$233,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,256.81
Your down payment$221,256.81
Closing costs + prepaids$12,021.52
Total buyer cash needed$233,278.33
Remaining funds due$233,278.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$570.00
Prepaid interest, first (10 days)$226.62
Fees + prepaids$12,021.52
Your down payment is the seller’s equity. You take over the $253,733 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $233,278.33 is due at closing. Uses and sources reconcile at $487,011.52 each. Not a Closing Disclosure.