Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$150,674Cash toward the purchase price.
Closing costs + prepaids$12,338Not just lender fees.
Before credits & paid funds$163,012The complete starting cash picture.
Estimated remaining funds due at closing
$163,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,673.61
Your down payment$150,673.61
Closing costs + prepaids$12,338.02
Total buyer cash needed$163,011.63
Remaining funds due$163,011.63
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)$1,358.50
Initial HOA (3 months)$240.00
Prepaid interest, first (25 days)$515.52
Fees + prepaids$12,338.02
Your down payment is the seller’s equity. You take over the $249,226 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $163,011.63 is due at closing. Uses and sources reconcile at $412,238.02 each. Not a Closing Disclosure.