Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$251,993Cash toward the purchase price.
Closing costs + prepaids$10,944Not just lender fees.
Before credits & paid funds$262,937The complete starting cash picture.
Estimated remaining funds due at closing
$262,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,993.26
Your down payment$251,993.26
Closing costs + prepaids$10,944.09
Total buyer cash needed$262,937.35
Remaining funds due$262,937.35
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)$336.75
Prepaid interest, first (22 days)$383.34
Fees + prepaids$10,944.09
Your down payment is the seller’s equity. You take over the $147,907 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $262,937.35 is due at closing. Uses and sources reconcile at $410,844.09 each. Not a Closing Disclosure.