Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,802Cash toward the purchase price.
Closing costs + prepaids$11,247Not just lender fees.
Before credits & paid funds$193,049The complete starting cash picture.
Estimated remaining funds due at closing
$193,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,802.40
Your down payment$181,802.40
Closing costs + prepaids$11,246.57
Total buyer cash needed$193,048.97
Remaining funds due$193,048.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,000.00
Prepaid interest, first (1 days)$21.58
Fees + prepaids$11,246.57
Your down payment is the seller’s equity. You take over the $218,197 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $193,048.97 is due at closing. Uses and sources reconcile at $411,245.57 each. Not a Closing Disclosure.