Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$176,274Cash toward the purchase price.
Closing costs + prepaids$12,244Not just lender fees.
Before credits & paid funds$188,519The complete starting cash picture.
Estimated remaining funds due at closing
$188,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,274.22
Your down payment$176,274.22
Closing costs + prepaids$12,244.30
Total buyer cash needed$188,518.52
Remaining funds due$188,518.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$936.50
Initial HOA (3 months)$615.00
Prepaid interest, first (22 days)$467.90
Fees + prepaids$12,244.30
Your down payment is the seller’s equity. You take over the $223,716 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $188,518.52 is due at closing. Uses and sources reconcile at $412,234.30 each. Not a Closing Disclosure.