Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,738Cash toward the purchase price.
Closing costs + prepaids$11,814Not just lender fees.
Before credits & paid funds$155,552The complete starting cash picture.
Estimated remaining funds due at closing
$155,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,738.19
Your down payment$143,738.19
Closing costs + prepaids$11,814.20
Total buyer cash needed$155,552.39
Remaining funds due$155,552.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.00
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)$997.25
Prepaid interest, first (25 days)$602.95
Fees + prepaids$11,814.20
Your down payment is the seller’s equity. You take over the $255,162 balance, so the rest of the $398,900 price is paid at closing. A second mortgage can cover part of it. $155,552.39 is due at closing. Uses and sources reconcile at $410,714.20 each. Not a Closing Disclosure.