Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$224,573Cash toward the purchase price.
Closing costs + prepaids$11,462Not just lender fees.
Before credits & paid funds$236,035The complete starting cash picture.
Estimated remaining funds due at closing
$236,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,573.02
Your down payment$224,573.02
Closing costs + prepaids$11,461.80
Total buyer cash needed$236,034.82
Remaining funds due$236,034.82
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)$674.50
Initial HOA (3 months)$38.76
Prepaid interest, first (24 days)$524.54
Fees + prepaids$11,461.80
Your down payment is the seller’s equity. You take over the $175,327 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $236,034.82 is due at closing. Uses and sources reconcile at $411,361.80 each. Not a Closing Disclosure.