Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$254,752Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$266,389The complete starting cash picture.
Estimated remaining funds due at closing
$266,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,752.12
Your down payment$254,752.12
Closing costs + prepaids$11,636.40
Total buyer cash needed$266,388.52
Remaining funds due$266,388.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,495.00
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)$612.75
Prepaid interest, first (21 days)$303.65
Fees + prepaids$11,636.40
Your down payment is the seller’s equity. You take over the $194,748 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $266,388.52 is due at closing. Uses and sources reconcile at $461,136.40 each. Not a Closing Disclosure.