Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,216Cash toward the purchase price.
Closing costs + prepaids$12,670Not just lender fees.
Before credits & paid funds$200,886The complete starting cash picture.
Estimated remaining funds due at closing
$200,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,216.05
Your down payment$188,216.05
Closing costs + prepaids$12,670.01
Total buyer cash needed$200,886.06
Remaining funds due$200,886.06
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)$2,034.75
Initial HOA (3 months)$41.25
Prepaid interest, first (22 days)$370.01
Fees + prepaids$12,670.01
Your down payment is the seller’s equity. You take over the $211,684 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $200,886.06 is due at closing. Uses and sources reconcile at $412,570.01 each. Not a Closing Disclosure.