Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$171,595Cash toward the purchase price.
Closing costs + prepaids$11,065Not just lender fees.
Before credits & paid funds$182,661The complete starting cash picture.
Estimated remaining funds due at closing
$182,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,595.48
Your down payment$171,595.48
Closing costs + prepaids$11,065.11
Total buyer cash needed$182,660.59
Remaining funds due$182,660.59
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)$339.00
Prepaid interest, first (22 days)$501.11
Fees + prepaids$11,065.11
Your down payment is the seller’s equity. You take over the $228,405 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $182,660.59 is due at closing. Uses and sources reconcile at $411,065.11 each. Not a Closing Disclosure.