Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$226,103Cash toward the purchase price.
Closing costs + prepaids$11,604Not just lender fees.
Before credits & paid funds$237,708The complete starting cash picture.
Estimated remaining funds due at closing
$237,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,103.46
Your down payment$226,103.46
Closing costs + prepaids$11,604.49
Total buyer cash needed$237,707.95
Remaining funds due$237,707.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$767.75
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$386.84
Fees + prepaids$11,604.49
Your down payment is the seller’s equity. You take over the $173,887 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $237,707.95 is due at closing. Uses and sources reconcile at $411,594.49 each. Not a Closing Disclosure.