Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$219,963Cash toward the purchase price.
Closing costs + prepaids$13,212Not just lender fees.
Before credits & paid funds$233,175The complete starting cash picture.
Estimated remaining funds due at closing
$233,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,962.82
Your down payment$219,962.82
Closing costs + prepaids$13,212.34
Total buyer cash needed$233,175.16
Remaining funds due$233,175.16
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)$2,474.25
Initial HOA (3 months)$36.00
Prepaid interest, first (26 days)$478.09
Fees + prepaids$13,212.34
Your down payment is the seller’s equity. You take over the $179,937 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $233,175.16 is due at closing. Uses and sources reconcile at $413,112.34 each. Not a Closing Disclosure.