Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$185,418Cash toward the purchase price.
Closing costs + prepaids$13,042Not just lender fees.
Before credits & paid funds$198,460The complete starting cash picture.
Estimated remaining funds due at closing
$198,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,417.70
Your down payment$185,417.70
Closing costs + prepaids$13,042.09
Total buyer cash needed$198,459.79
Remaining funds due$198,459.79
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)$1,541.75
Initial HOA (3 months)$210.99
Prepaid interest, first (30 days)$1,074.35
Fees + prepaids$13,042.09
Your down payment is the seller’s equity. You take over the $213,582 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $198,459.79 is due at closing. Uses and sources reconcile at $412,042.09 each. Not a Closing Disclosure.