Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$190,744Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$202,512The complete starting cash picture.
Estimated remaining funds due at closing
$202,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,743.97
Your down payment$190,743.97
Closing costs + prepaids$11,767.53
Total buyer cash needed$202,511.50
Remaining funds due$202,511.50
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)$1,160.00
Prepaid interest, first (23 days)$383.53
Fees + prepaids$11,767.53
Your down payment is the seller’s equity. You take over the $209,156 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $202,511.50 is due at closing. Uses and sources reconcile at $411,667.53 each. Not a Closing Disclosure.