Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,536Cash toward the purchase price.
Closing costs + prepaids$13,124Not just lender fees.
Before credits & paid funds$185,660The complete starting cash picture.
Estimated remaining funds due at closing
$185,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,535.81
Your down payment$172,535.81
Closing costs + prepaids$13,123.95
Total buyer cash needed$185,659.76
Remaining funds due$185,659.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$2,021.50
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$577.55
Fees + prepaids$13,123.95
Your down payment is the seller’s equity. You take over the $227,454 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $185,659.76 is due at closing. Uses and sources reconcile at $413,113.95 each. Not a Closing Disclosure.