Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$146,974Cash toward the purchase price.
Closing costs + prepaids$12,318Not just lender fees.
Before credits & paid funds$159,293The complete starting cash picture.
Estimated remaining funds due at closing
$159,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,974.33
Your down payment$146,974.33
Closing costs + prepaids$12,318.50
Total buyer cash needed$159,292.83
Remaining funds due$159,292.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$493.00
Initial HOA (3 months)$500.01
Prepaid interest, first (25 days)$1,100.49
Fees + prepaids$12,318.50
Your down payment is the seller’s equity. You take over the $253,026 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $159,292.83 is due at closing. Uses and sources reconcile at $412,318.50 each. Not a Closing Disclosure.