Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$213,882Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$225,280The complete starting cash picture.
Estimated remaining funds due at closing
$225,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,882.05
Your down payment$213,882.05
Closing costs + prepaids$11,397.51
Total buyer cash needed$225,279.56
Remaining funds due$225,279.56
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)$752.75
Prepaid interest, first (28 days)$419.76
Fees + prepaids$11,397.51
Your down payment is the seller’s equity. You take over the $186,118 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $225,279.56 is due at closing. Uses and sources reconcile at $411,397.51 each. Not a Closing Disclosure.