Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,304Cash toward the purchase price.
Closing costs + prepaids$13,038Not just lender fees.
Before credits & paid funds$195,341The complete starting cash picture.
Estimated remaining funds due at closing
$195,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,303.69
Your down payment$182,303.69
Closing costs + prepaids$13,037.70
Total buyer cash needed$195,341.38
Remaining funds due$195,341.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,000.00
Initial HOA (3 months)$1,290.00
Prepaid interest, first (28 days)$522.71
Fees + prepaids$13,037.70
Your down payment is the seller’s equity. You take over the $217,695 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $195,341.38 is due at closing. Uses and sources reconcile at $413,036.70 each. Not a Closing Disclosure.