Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$227,713Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$239,374The complete starting cash picture.
Estimated remaining funds due at closing
$239,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,712.81
Your down payment$227,712.81
Closing costs + prepaids$11,661.44
Total buyer cash needed$239,374.25
Remaining funds due$239,374.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$674.75
Initial HOA (3 months)$276.00
Prepaid interest, first (30 days)$435.69
Fees + prepaids$11,661.44
Your down payment is the seller’s equity. You take over the $177,287 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $239,374.25 is due at closing. Uses and sources reconcile at $416,661.44 each. Not a Closing Disclosure.