Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$227,253Cash toward the purchase price.
Closing costs + prepaids$12,646Not just lender fees.
Before credits & paid funds$239,899The complete starting cash picture.
Estimated remaining funds due at closing
$239,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,253.23
Your down payment$227,253.23
Closing costs + prepaids$12,645.95
Total buyer cash needed$239,899.18
Remaining funds due$239,899.18
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)$1,968.50
Prepaid interest, first (26 days)$462.45
Fees + prepaids$12,645.95
Your down payment is the seller’s equity. You take over the $171,747 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $239,899.18 is due at closing. Uses and sources reconcile at $411,645.95 each. Not a Closing Disclosure.