Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$251,417Cash toward the purchase price.
Closing costs + prepaids$11,297Not just lender fees.
Before credits & paid funds$262,714The complete starting cash picture.
Estimated remaining funds due at closing
$262,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,417.25
Your down payment$251,417.25
Closing costs + prepaids$11,296.98
Total buyer cash needed$262,714.22
Remaining funds due$262,714.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.50
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)$507.75
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$429.73
Fees + prepaids$11,296.98
Your down payment is the seller’s equity. You take over the $148,533 balance, so the rest of the $399,950 price is paid at closing. A second mortgage can cover part of it. $262,714.22 is due at closing. Uses and sources reconcile at $411,246.98 each. Not a Closing Disclosure.