Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$279,422Cash toward the purchase price.
Closing costs + prepaids$10,818Not just lender fees.
Before credits & paid funds$290,240The complete starting cash picture.
Estimated remaining funds due at closing
$290,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,421.91
Your down payment$279,421.91
Closing costs + prepaids$10,818.22
Total buyer cash needed$290,240.12
Remaining funds due$290,240.12
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)$354.50
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$208.72
Fees + prepaids$10,818.22
Your down payment is the seller’s equity. You take over the $120,578 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $290,240.12 is due at closing. Uses and sources reconcile at $410,818.22 each. Not a Closing Disclosure.