Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$185,080Cash toward the purchase price.
Closing costs + prepaids$12,441Not just lender fees.
Before credits & paid funds$197,522The complete starting cash picture.
Estimated remaining funds due at closing
$197,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,080.21
Your down payment$185,080.21
Closing costs + prepaids$12,441.50
Total buyer cash needed$197,521.71
Remaining funds due$197,521.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$2,171.00
Prepaid interest, first (2 days)$46.50
Fees + prepaids$12,441.50
Your down payment is the seller’s equity. You take over the $214,820 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $197,521.71 is due at closing. Uses and sources reconcile at $412,341.50 each. Not a Closing Disclosure.