Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$186,298Cash toward the purchase price.
Closing costs + prepaids$12,412Not just lender fees.
Before credits & paid funds$198,710The complete starting cash picture.
Estimated remaining funds due at closing
$198,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,298.14
Your down payment$186,298.14
Closing costs + prepaids$12,411.67
Total buyer cash needed$198,709.81
Remaining funds due$198,709.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,154.75
Initial HOA (3 months)$615.00
Prepaid interest, first (22 days)$426.92
Fees + prepaids$12,411.67
Your down payment is the seller’s equity. You take over the $212,702 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $198,709.81 is due at closing. Uses and sources reconcile at $411,411.67 each. Not a Closing Disclosure.