Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,738Cash toward the purchase price.
Closing costs + prepaids$12,551Not just lender fees.
Before credits & paid funds$246,289The complete starting cash picture.
Estimated remaining funds due at closing
$246,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,737.56
Your down payment$233,737.56
Closing costs + prepaids$12,551.16
Total buyer cash needed$246,288.71
Remaining funds due$246,288.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$636.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (31 days)$415.16
Fees + prepaids$12,551.16
Your down payment is the seller’s equity. You take over the $166,262 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $246,288.71 is due at closing. Uses and sources reconcile at $412,551.16 each. Not a Closing Disclosure.