Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$217,547Cash toward the purchase price.
Closing costs + prepaids$11,168Not just lender fees.
Before credits & paid funds$228,715The complete starting cash picture.
Estimated remaining funds due at closing
$228,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,547.20
Your down payment$217,547.20
Closing costs + prepaids$11,167.90
Total buyer cash needed$228,715.10
Remaining funds due$228,715.10
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)$545.75
Prepaid interest, first (26 days)$407.15
Fees + prepaids$11,167.90
Your down payment is the seller’s equity. You take over the $181,453 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $228,715.10 is due at closing. Uses and sources reconcile at $410,167.90 each. Not a Closing Disclosure.