Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$224,437Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$236,032The complete starting cash picture.
Estimated remaining funds due at closing
$236,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,436.88
Your down payment$224,436.88
Closing costs + prepaids$11,595.37
Total buyer cash needed$236,032.24
Remaining funds due$236,032.24
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)$1,000.00
Prepaid interest, first (22 days)$370.37
Fees + prepaids$11,595.37
Your down payment is the seller’s equity. You take over the $175,563 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $236,032.24 is due at closing. Uses and sources reconcile at $411,595.37 each. Not a Closing Disclosure.