Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$162,809Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$174,178The complete starting cash picture.
Estimated remaining funds due at closing
$174,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,809.05
Your down payment$162,809.05
Closing costs + prepaids$11,368.97
Total buyer cash needed$174,178.02
Remaining funds due$174,178.02
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)$1,102.25
Prepaid interest, first (2 days)$41.72
Fees + prepaids$11,368.97
Your down payment is the seller’s equity. You take over the $237,191 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $174,178.02 is due at closing. Uses and sources reconcile at $411,368.97 each. Not a Closing Disclosure.