Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$171,488Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$182,882The complete starting cash picture.
Estimated remaining funds due at closing
$182,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,487.71
Your down payment$171,487.71
Closing costs + prepaids$11,394.24
Total buyer cash needed$182,881.95
Remaining funds due$182,881.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$712.50
Prepaid interest, first (26 days)$466.74
Fees + prepaids$11,394.24
Your down payment is the seller’s equity. You take over the $227,512 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $182,881.95 is due at closing. Uses and sources reconcile at $410,394.24 each. Not a Closing Disclosure.