Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,275Cash toward the purchase price.
Closing costs + prepaids$11,147Not just lender fees.
Before credits & paid funds$220,422The complete starting cash picture.
Estimated remaining funds due at closing
$220,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,274.99
Your down payment$209,274.99
Closing costs + prepaids$11,147.40
Total buyer cash needed$220,422.40
Remaining funds due$220,422.40
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)$546.25
Initial HOA (3 months)$336.00
Prepaid interest, first (2 days)$41.15
Fees + prepaids$11,147.40
Your down payment is the seller’s equity. You take over the $190,625 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $220,422.40 is due at closing. Uses and sources reconcile at $411,047.40 each. Not a Closing Disclosure.