Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$184,060Cash toward the purchase price.
Closing costs + prepaids$11,287Not just lender fees.
Before credits & paid funds$195,347The complete starting cash picture.
Estimated remaining funds due at closing
$195,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,060.21
Your down payment$184,060.21
Closing costs + prepaids$11,287.08
Total buyer cash needed$195,347.29
Remaining funds due$195,347.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$91.25
Prepaid interest, first (24 days)$980.83
Fees + prepaids$11,287.08
Your down payment is the seller’s equity. You take over the $214,940 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $195,347.29 is due at closing. Uses and sources reconcile at $410,287.08 each. Not a Closing Disclosure.