Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$174,165Cash toward the purchase price.
Closing costs + prepaids$11,571Not just lender fees.
Before credits & paid funds$185,736The complete starting cash picture.
Estimated remaining funds due at closing
$185,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,165.29
Your down payment$174,165.29
Closing costs + prepaids$11,570.73
Total buyer cash needed$185,736.02
Remaining funds due$185,736.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,985.00
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)$227.75
Prepaid interest, first (26 days)$1,132.98
Fees + prepaids$11,570.73
Your down payment is the seller’s equity. You take over the $224,335 balance, so the rest of the $398,500 price is paid at closing. A second mortgage can cover part of it. $185,736.02 is due at closing. Uses and sources reconcile at $410,070.73 each. Not a Closing Disclosure.