Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$180,288Cash toward the purchase price.
Closing costs + prepaids$11,526Not just lender fees.
Before credits & paid funds$191,814The complete starting cash picture.
Estimated remaining funds due at closing
$191,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,288.21
Your down payment$180,288.21
Closing costs + prepaids$11,525.90
Total buyer cash needed$191,814.11
Remaining funds due$191,814.11
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)$477.00
Prepaid interest, first (30 days)$824.90
Fees + prepaids$11,525.90
Your down payment is the seller’s equity. You take over the $219,612 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $191,814.11 is due at closing. Uses and sources reconcile at $411,425.90 each. Not a Closing Disclosure.