Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,956Cash toward the purchase price.
Closing costs + prepaids$12,835Not just lender fees.
Before credits & paid funds$162,791The complete starting cash picture.
Estimated remaining funds due at closing
$162,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,955.68
Your down payment$149,955.68
Closing costs + prepaids$12,835.02
Total buyer cash needed$162,790.70
Remaining funds due$162,790.70
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)$2,075.25
Initial HOA (3 months)$24.51
Prepaid interest, first (25 days)$520.26
Fees + prepaids$12,835.02
Your down payment is the seller’s equity. You take over the $249,044 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $162,790.70 is due at closing. Uses and sources reconcile at $411,835.02 each. Not a Closing Disclosure.