Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$217,423Cash toward the purchase price.
Closing costs + prepaids$11,497Not just lender fees.
Before credits & paid funds$228,920The complete starting cash picture.
Estimated remaining funds due at closing
$228,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,423.25
Your down payment$217,423.25
Closing costs + prepaids$11,497.00
Total buyer cash needed$228,920.24
Remaining funds due$228,920.24
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)$433.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$583.75
Fees + prepaids$11,497.00
Your down payment is the seller’s equity. You take over the $182,577 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $228,920.24 is due at closing. Uses and sources reconcile at $411,497.00 each. Not a Closing Disclosure.