Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$143,591Cash toward the purchase price.
Closing costs + prepaids$12,886Not just lender fees.
Before credits & paid funds$156,477The complete starting cash picture.
Estimated remaining funds due at closing
$156,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,590.93
Your down payment$143,590.93
Closing costs + prepaids$12,886.20
Total buyer cash needed$156,477.13
Remaining funds due$156,477.13
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)$1,275.25
Prepaid interest, first (30 days)$1,386.45
Fees + prepaids$12,886.20
Your down payment is the seller’s equity. You take over the $256,359 balance, so the rest of the $399,950 price is paid at closing. A second mortgage can cover part of it. $156,477.13 is due at closing. Uses and sources reconcile at $412,836.20 each. Not a Closing Disclosure.