Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$247,342Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$259,546The complete starting cash picture.
Estimated remaining funds due at closing
$259,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,341.55
Your down payment$247,341.55
Closing costs + prepaids$12,204.68
Total buyer cash needed$259,546.23
Remaining funds due$259,546.23
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)$1,427.00
Initial HOA (3 months)$27.51
Prepaid interest, first (29 days)$525.18
Fees + prepaids$12,204.68
Your down payment is the seller’s equity. You take over the $152,657 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $259,546.23 is due at closing. Uses and sources reconcile at $412,203.68 each. Not a Closing Disclosure.