Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$185,423Cash toward the purchase price.
Closing costs + prepaids$11,253Not just lender fees.
Before credits & paid funds$196,677The complete starting cash picture.
Estimated remaining funds due at closing
$196,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,423.48
Your down payment$185,423.48
Closing costs + prepaids$11,253.12
Total buyer cash needed$196,676.59
Remaining funds due$196,676.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$315.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$542.37
Fees + prepaids$11,253.12
Your down payment is the seller’s equity. You take over the $213,577 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $196,676.59 is due at closing. Uses and sources reconcile at $410,253.12 each. Not a Closing Disclosure.