Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$178,691Cash toward the purchase price.
Closing costs + prepaids$12,537Not just lender fees.
Before credits & paid funds$191,228The complete starting cash picture.
Estimated remaining funds due at closing
$191,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,690.67
Your down payment$178,690.67
Closing costs + prepaids$12,537.18
Total buyer cash needed$191,227.85
Remaining funds due$191,227.85
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)$513.50
Initial HOA (3 months)$1,362.00
Prepaid interest, first (26 days)$436.68
Fees + prepaids$12,537.18
Your down payment is the seller’s equity. You take over the $221,309 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $191,227.85 is due at closing. Uses and sources reconcile at $412,537.18 each. Not a Closing Disclosure.