Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,781Cash toward the purchase price.
Closing costs + prepaids$12,071Not just lender fees.
Before credits & paid funds$153,852The complete starting cash picture.
Estimated remaining funds due at closing
$153,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,781.35
Your down payment$141,781.35
Closing costs + prepaids$12,070.84
Total buyer cash needed$153,852.19
Remaining funds due$153,852.19
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)$317.75
Initial HOA (3 months)$387.00
Prepaid interest, first (25 days)$1,142.09
Fees + prepaids$12,070.84
Your down payment is the seller’s equity. You take over the $258,119 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $153,852.19 is due at closing. Uses and sources reconcile at $411,970.84 each. Not a Closing Disclosure.