Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,401Cash toward the purchase price.
Closing costs + prepaids$11,741Not just lender fees.
Before credits & paid funds$186,142The complete starting cash picture.
Estimated remaining funds due at closing
$186,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,400.60
Your down payment$174,400.60
Closing costs + prepaids$11,741.46
Total buyer cash needed$186,142.06
Remaining funds due$186,142.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,019.00
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)$779.75
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$627.71
Fees + prepaids$11,741.46
Your down payment is the seller’s equity. You take over the $227,499 balance, so the rest of the $401,900 price is paid at closing. A second mortgage can cover part of it. $186,142.06 is due at closing. Uses and sources reconcile at $413,641.46 each. Not a Closing Disclosure.