Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$154,924Cash toward the purchase price.
Closing costs + prepaids$11,586Not just lender fees.
Before credits & paid funds$166,511The complete starting cash picture.
Estimated remaining funds due at closing
$166,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,924.29
Your down payment$154,924.29
Closing costs + prepaids$11,586.45
Total buyer cash needed$166,510.73
Remaining funds due$166,510.73
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)$362.25
Initial HOA (3 months)$225.00
Prepaid interest, first (22 days)$775.20
Fees + prepaids$11,586.45
Your down payment is the seller’s equity. You take over the $244,976 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $166,510.73 is due at closing. Uses and sources reconcile at $411,486.45 each. Not a Closing Disclosure.