Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$224,573Cash toward the purchase price.
Closing costs + prepaids$11,593Not just lender fees.
Before credits & paid funds$236,166The complete starting cash picture.
Estimated remaining funds due at closing
$236,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,573.02
Your down payment$224,573.02
Closing costs + prepaids$11,593.18
Total buyer cash needed$236,166.20
Remaining funds due$236,166.20
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)$674.75
Initial HOA (3 months)$38.76
Prepaid interest, first (30 days)$655.67
Fees + prepaids$11,593.18
Your down payment is the seller’s equity. You take over the $175,327 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $236,166.20 is due at closing. Uses and sources reconcile at $411,493.18 each. Not a Closing Disclosure.