Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,235Cash toward the purchase price.
Closing costs + prepaids$11,381Not just lender fees.
Before credits & paid funds$205,615The complete starting cash picture.
Estimated remaining funds due at closing
$205,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,234.60
Your down payment$194,234.60
Closing costs + prepaids$11,380.81
Total buyer cash needed$205,615.41
Remaining funds due$205,615.41
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)$549.00
Prepaid interest, first (26 days)$606.81
Fees + prepaids$11,380.81
Your down payment is the seller’s equity. You take over the $205,765 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $205,615.41 is due at closing. Uses and sources reconcile at $411,380.81 each. Not a Closing Disclosure.