Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$175,281Cash toward the purchase price.
Closing costs + prepaids$11,262Not just lender fees.
Before credits & paid funds$186,543The complete starting cash picture.
Estimated remaining funds due at closing
$186,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,281.25
Your down payment$175,281.25
Closing costs + prepaids$11,261.99
Total buyer cash needed$186,543.24
Remaining funds due$186,543.24
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)$380.75
Prepaid interest, first (30 days)$657.24
Fees + prepaids$11,261.99
Your down payment is the seller’s equity. You take over the $224,619 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $186,543.24 is due at closing. Uses and sources reconcile at $411,161.99 each. Not a Closing Disclosure.