Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$203,192Cash toward the purchase price.
Closing costs + prepaids$11,841Not just lender fees.
Before credits & paid funds$215,034The complete starting cash picture.
Estimated remaining funds due at closing
$215,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,192.26
Your down payment$203,192.26
Closing costs + prepaids$11,841.30
Total buyer cash needed$215,033.57
Remaining funds due$215,033.57
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)$605.25
Initial HOA (3 months)$240.00
Prepaid interest, first (26 days)$771.05
Fees + prepaids$11,841.30
Your down payment is the seller’s equity. You take over the $196,808 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $215,033.57 is due at closing. Uses and sources reconcile at $411,841.30 each. Not a Closing Disclosure.