Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$219,056Cash toward the purchase price.
Closing costs + prepaids$11,677Not just lender fees.
Before credits & paid funds$230,733The complete starting cash picture.
Estimated remaining funds due at closing
$230,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,055.64
Your down payment$219,055.64
Closing costs + prepaids$11,677.43
Total buyer cash needed$230,733.06
Remaining funds due$230,733.06
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)$848.00
Initial HOA (3 months)$84.99
Prepaid interest, first (26 days)$520.44
Fees + prepaids$11,677.43
Your down payment is the seller’s equity. You take over the $180,844 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $230,733.06 is due at closing. Uses and sources reconcile at $411,577.43 each. Not a Closing Disclosure.