Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$195,678Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$207,522The complete starting cash picture.
Estimated remaining funds due at closing
$207,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,678.28
Your down payment$195,678.28
Closing costs + prepaids$11,844.05
Total buyer cash needed$207,522.33
Remaining funds due$207,522.33
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)$990.00
Initial HOA (3 months)$66.24
Prepaid interest, first (22 days)$562.81
Fees + prepaids$11,844.05
Your down payment is the seller’s equity. You take over the $204,322 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $207,522.33 is due at closing. Uses and sources reconcile at $411,844.05 each. Not a Closing Disclosure.