Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$222,096Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$233,925The complete starting cash picture.
Estimated remaining funds due at closing
$233,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,095.83
Your down payment$222,095.83
Closing costs + prepaids$11,829.55
Total buyer cash needed$233,925.39
Remaining funds due$233,925.39
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)$954.25
Initial HOA (3 months)$62.49
Prepaid interest, first (30 days)$587.81
Fees + prepaids$11,829.55
Your down payment is the seller’s equity. You take over the $177,904 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $233,925.39 is due at closing. Uses and sources reconcile at $411,829.55 each. Not a Closing Disclosure.