Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$209,757Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$221,335The complete starting cash picture.
Estimated remaining funds due at closing
$221,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,756.71
Your down payment$209,756.71
Closing costs + prepaids$11,578.33
Total buyer cash needed$221,335.03
Remaining funds due$221,335.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$546.25
Initial HOA (3 months)$336.00
Prepaid interest, first (23 days)$472.08
Fees + prepaids$11,578.33
Your down payment is the seller’s equity. You take over the $190,143 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $221,335.03 is due at closing. Uses and sources reconcile at $411,478.33 each. Not a Closing Disclosure.