Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,486Cash toward the purchase price.
Closing costs + prepaids$11,755Not just lender fees.
Before credits & paid funds$165,241The complete starting cash picture.
Estimated remaining funds due at closing
$165,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,485.82
Your down payment$153,485.82
Closing costs + prepaids$11,754.92
Total buyer cash needed$165,240.74
Remaining funds due$165,240.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Prepaid interest, first (28 days)$542.42
Fees + prepaids$11,754.92
Your down payment is the seller’s equity. You take over the $245,514 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $165,240.74 is due at closing. Uses and sources reconcile at $410,754.92 each. Not a Closing Disclosure.