Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,684Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$269,732The complete starting cash picture.
Estimated remaining funds due at closing
$269,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,683.70
Your down payment$258,683.70
Closing costs + prepaids$11,048.21
Total buyer cash needed$269,731.90
Remaining funds due$269,731.90
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)$495.50
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$28.71
Fees + prepaids$11,048.21
Your down payment is the seller’s equity. You take over the $141,216 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $269,731.90 is due at closing. Uses and sources reconcile at $410,948.21 each. Not a Closing Disclosure.