Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$232,514Cash toward the purchase price.
Closing costs + prepaids$11,878Not just lender fees.
Before credits & paid funds$244,392The complete starting cash picture.
Estimated remaining funds due at closing
$244,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,514.25
Your down payment$232,514.25
Closing costs + prepaids$11,877.60
Total buyer cash needed$244,391.86
Remaining funds due$244,391.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,420.00
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)$1,127.00
Prepaid interest, first (5 days)$105.60
Fees + prepaids$11,877.60
Your down payment is the seller’s equity. You take over the $209,486 balance, so the rest of the $442,000 price is paid at closing. A second mortgage can cover part of it. $244,391.86 is due at closing. Uses and sources reconcile at $453,877.60 each. Not a Closing Disclosure.