Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$143,019Cash toward the purchase price.
Closing costs + prepaids$13,099Not just lender fees.
Before credits & paid funds$156,118The complete starting cash picture.
Estimated remaining funds due at closing
$156,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,018.85
Your down payment$143,018.85
Closing costs + prepaids$13,099.23
Total buyer cash needed$156,118.08
Remaining funds due$156,118.08
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)$529.25
Initial HOA (3 months)$870.00
Prepaid interest, first (28 days)$1,475.98
Fees + prepaids$13,099.23
Your down payment is the seller’s equity. You take over the $256,881 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $156,118.08 is due at closing. Uses and sources reconcile at $412,999.23 each. Not a Closing Disclosure.