Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$222,085Cash toward the purchase price.
Closing costs + prepaids$10,981Not just lender fees.
Before credits & paid funds$233,066The complete starting cash picture.
Estimated remaining funds due at closing
$233,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,085.49
Your down payment$222,085.49
Closing costs + prepaids$10,980.55
Total buyer cash needed$233,066.04
Remaining funds due$233,066.04
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)$296.75
Prepaid interest, first (24 days)$468.80
Fees + prepaids$10,980.55
Your down payment is the seller’s equity. You take over the $176,915 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $233,066.04 is due at closing. Uses and sources reconcile at $409,980.55 each. Not a Closing Disclosure.