Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,638Cash toward the purchase price.
Closing costs + prepaids$11,002Not just lender fees.
Before credits & paid funds$249,640The complete starting cash picture.
Estimated remaining funds due at closing
$249,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,637.82
Your down payment$238,637.82
Closing costs + prepaids$11,002.11
Total buyer cash needed$249,639.93
Remaining funds due$249,639.93
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)$245.00
Prepaid interest, first (27 days)$542.11
Fees + prepaids$11,002.11
Your down payment is the seller’s equity. You take over the $160,362 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $249,639.93 is due at closing. Uses and sources reconcile at $410,002.11 each. Not a Closing Disclosure.