Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,679Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$156,437The complete starting cash picture.
Estimated remaining funds due at closing
$156,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,678.66
Your down payment$144,678.66
Closing costs + prepaids$11,758.17
Total buyer cash needed$156,436.84
Remaining funds due$156,436.84
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)$941.50
Prepaid interest, first (26 days)$592.67
Fees + prepaids$11,758.17
Your down payment is the seller’s equity. You take over the $255,221 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $156,436.84 is due at closing. Uses and sources reconcile at $411,658.17 each. Not a Closing Disclosure.