Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,595Cash toward the purchase price.
Closing costs + prepaids$11,810Not just lender fees.
Before credits & paid funds$210,405The complete starting cash picture.
Estimated remaining funds due at closing
$210,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,594.82
Your down payment$198,594.82
Closing costs + prepaids$11,810.23
Total buyer cash needed$210,405.05
Remaining funds due$210,405.05
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)$697.50
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$716.73
Fees + prepaids$11,810.23
Your down payment is the seller’s equity. You take over the $201,405 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $210,405.05 is due at closing. Uses and sources reconcile at $411,810.23 each. Not a Closing Disclosure.