Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$204,080Cash toward the purchase price.
Closing costs + prepaids$12,349Not just lender fees.
Before credits & paid funds$216,429The complete starting cash picture.
Estimated remaining funds due at closing
$216,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,080.19
Your down payment$204,080.19
Closing costs + prepaids$12,348.70
Total buyer cash needed$216,428.89
Remaining funds due$216,428.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$648.25
Prepaid interest, first (21 days)$425.45
Fees + prepaids$12,348.70
Your down payment is the seller’s equity. You take over the $275,920 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $216,428.89 is due at closing. Uses and sources reconcile at $492,348.70 each. Not a Closing Disclosure.