Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$145,890Cash toward the purchase price.
Closing costs + prepaids$11,231Not just lender fees.
Before credits & paid funds$157,121The complete starting cash picture.
Estimated remaining funds due at closing
$157,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,889.92
Your down payment$145,889.92
Closing costs + prepaids$11,231.40
Total buyer cash needed$157,121.32
Remaining funds due$157,121.32
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)$349.00
Initial HOA (3 months)$219.00
Prepaid interest, first (22 days)$439.40
Fees + prepaids$11,231.40
Your down payment is the seller’s equity. You take over the $254,010 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $157,121.32 is due at closing. Uses and sources reconcile at $411,131.40 each. Not a Closing Disclosure.