Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$215,045Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$226,726The complete starting cash picture.
Estimated remaining funds due at closing
$226,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,045.16
Your down payment$215,045.16
Closing costs + prepaids$11,680.99
Total buyer cash needed$226,726.15
Remaining funds due$226,726.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,003.75
Prepaid interest, first (25 days)$452.25
Fees + prepaids$11,680.99
Your down payment is the seller’s equity. You take over the $184,954 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $226,726.15 is due at closing. Uses and sources reconcile at $411,679.99 each. Not a Closing Disclosure.