Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$236,813Cash toward the purchase price.
Closing costs + prepaids$11,028Not just lender fees.
Before credits & paid funds$247,841The complete starting cash picture.
Estimated remaining funds due at closing
$247,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,813.42
Your down payment$236,813.42
Closing costs + prepaids$11,028.02
Total buyer cash needed$247,841.44
Remaining funds due$247,841.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$441.25
Prepaid interest, first (28 days)$361.78
Fees + prepaids$11,028.02
Your down payment is the seller’s equity. You take over the $163,186 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $247,841.44 is due at closing. Uses and sources reconcile at $411,027.02 each. Not a Closing Disclosure.